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As I learned from my wife's first pregnancy -- you get bills from 12 different parties with vague names like Northern New York State Physicians Group LLC, which in aggregate are way over the co-pay limit. Try calling one, you cant reach them. Most are probably legitimate, but clearly they are incorrect in aggregate. We hired a billing consultant to reconcile all the bills, I imagine most people give up and either pay them all or just let it all go to collection.

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