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“Most of the time” in my case, it has been bad. Because it wasn’t one big bill. It was dozens of bills for $200-500. Each submission could fail in unpredictable ways. “Lost” claims forms, database “errors”, “incomplete information”, etc. And trying to deal with this burden while being sick, was too much for me. I scraped back a few dollars, but had to give up and move forward with my life.



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