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Dumb question which I should know the answer being somewhat in healthcare, but can't you talk to the insurance into accepting the bill, but denying it for pre-x. You would still be on the hook for the fees, but you could get the in-network discounts .
How long have you had this insurance? If over 6-18 months, doesn't HIPAA say they can't deny for pre-x?
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Neil
'73 911S targa
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