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Never hesitate to report the offending party to the appropriate state level consumer protection agency, for example your state’s department of insurance. I have had much success in getting insurers to toe the line by doing that. It works better in leftist blue states with huge bureaucracies (looking at you California!).

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I'm a medical coder and you would not believe the frequency of plain old human error coding mistakes that go on bills. Worse, the pressure physicians and hospitals put on coders/billers to "upcode" (code for something more extensive and expensive), slap on a ton of questionable diagnoses, or bill for something that didn't happen is intense. Never never never pay a bill without verifying every code (diagnoses and procedures).

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