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>typically your forced to sign paperwork saying your responsible for anything insurance refuses to pay

Now that is some sick shit. Making every doctor's visit a gamble you might lose, discouraging people from seeing a doctor.

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It's even worse when they claim to be "in-network" and they make you sign that. To me, the entire point of being in network is I shouldn't have to worry about the provider filing claims correctly on my behalf, and if there is an issue, it should be on the "network" side, not my side.

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