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Yep. A lot of people are unwilling to fight their insurance and the insurance providers are depending on this. Same with billing departments in the various healthcare systems, etc.

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> I mailed a bunch of bills to my insurer, and requested reimbursement (…) Anyway, they mailed me a check

This is not what I’d describe as “fighting your insurance”.

I've had frustrating experiences with my insurance before, but indeed in this case I just mailed in a form.

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