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When you have someone else paying the bill, those little sniffles will more often result in a visit to the doctor since it's "free". The end result will be higher utilization or, to keep costs down, rationing of services.<br> <br> Think about it. If you got a parking lot scratch on your car would you get it fixed if your insurance paid for all of it? How about if you had a $500 deductible?
By DaveH

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