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Did his rates go down any?

I’m with Neets. If we pay as we go, if we deal directly with the doctor ourselves, then the rates would be more reasonable. It isn’t the doctors who have purchased the insurance and they really shouldn’t have to listen to them.

We buy the insurance and it is up to us to work out the financing.

But have you ever tried to argue with an insurance company? They are so aggravating and can bully you. They know that eventually most people give up and swallow the penalties.