what is double dipping in medical insurance

There are some insurance plans that require you to pay a copay when you go to the doctor, but there are other insurance policies that may not require a copay. Get the cold and allergy relief you deserve. Contrary to what you may have heard, this type of double dipping can be appropriate, if done correctly. Once a claimant has filed a new claim, they may see an issue labeled Double Dip - UI in their portal. Humana exits $4B commercial market, goes all in on Medicare, Medicare Advantage enrollment growth slowed for 2023, ESG: The Implementation Imperative Summit, More healthcare organizations at risk of credit default, Moody's says, Centene fills out senior executive team with new president, COO, SCAN, CareOregon plan to merge into the HealthRight Group, Blue Cross Blue Shield of Michigan unveils big push that lets physicians take on risk, reap rewards, Bright Health weighs reverse stock split as delisting looms. OurApril 7 alert (opens a new window)contains an example (ABC Company) on how these expenses are allocable to wages that would also apply to the ERC. In the vast majority of cases, youll want to focus on having and maintaining one comprehensive insurance policy. Filling : $100. The IRS wont let that kind of thing slide, so youll need to pay for your group health insurance premium with your own money, not your GCHRA allowance. If an employer offers both a group health insurance plan and the ICHRA, each benefit would be offered to different types of employees. When everyone relied on paper records and phone calls to cross-check, one could get away with this type of fraud. He has been covering medical coding and billing, healthcare policy, and the business of medicine since 1999. Take advantage of our free online tool to find the right provider and avoid any issues related to double dipping insurance. The IRS frowns on double-dipping if that makes sense. The Coordination of Benefits will specify which plan pays first, reduce the duplication of benefits, and increase the efficiency with which claims are processed. All rights reserved. Employee $755.64 $730.64 $25.00 Employee & Spouse $1,563.42 $1,532.14 $31.28 insurance companies usually pay the provider directly. Jan 13, 2014. Likewise, the price of medical care, while shown to be much higher on the master charge list, is discounted by the insurance companies sometimes referred to as a negotiated maximum fee. If you have any questions, or would like help finding a secondary health insurance policy, eHealth is here to help. That is called double dipping insurance. Our opinions are our own. To avoid this, make sure to keep your FSA claims separate for each account to avoid confusion. However, such a larger employer may never claim the tax credit for health plan expenses allocable to the time for which the employees are receiving wages for providing services; only the portion of health plan expenses allocable to the time the employees are not providing services are treated as qualified wages. Thats why you find a lot of people going to their favorite search engines or law sites like Lawers.com to figure out if its possible to get the other party to pay for the accident even if their insurance provider already paid them out. However, if you have collision coverage, you could also file the same claim with your insurance company and receive an additional payment! The need for the new IRS rules came about because tax consultants have been aggressively hunting for ways to combine the tax write-offs that come with traditional group coverage with the federal subsidies available to buy individual coverage through an insurance exchange, said Joel Ario, a managing director at Manatt Health Solutions and a former HHS director over insurance exchanges. There are some situations where it could be beneficial for you to have a secondary insurance plan, but you have to think about the benefits and drawbacks of each option carefully. Quotes and offers are not binding, nor a guarantee of coverage. At-home diagnostic tools help you stay one step ahead. Get our guide on everything you need to know about the GCHRA. Our opinions are our own. With a GCHRA, your employer gets a flexible and low-cost benefits option while you get the essential coverage you deserve. Even though there are a lot of benefits that come with having two health insurance plans, there are a handful of drawbacks as well. Your chiro is telling you to get coverage that would pay them more. What to Do If You Cannot Afford Car Insurance? Dont Double-Dip For all reimbursement accounts, you may only file for a reimbursement once. However, what happens if the insurance company of the driver who is not at fault is contacted and a claim is filed as well? So, even if you have multiple health insurance policies, you may still have leftover out-of-pocket medical costs. When a person files duplicate accident claims with the same company or different insurance companies, the action results in double-dipping. The Families First Coronavirus Response Act (FFCRA). You are billed for your portion of the dental service. Remember that. By checking out as a Returning Customer or Guest, you agree that you have read, understand and agree to the, the IRS identified wellness plan double dipping, Aura Revive Heated Deep Muscle Pain Relief Device, Caring Mill by Aura Full Body Analysis Scale, Caring Mill by Aura: Ease Migraine and Eye Reliever with Compression and Heat, American Red Cross Deluxe Family First Aid Kit, Sharper Image Calming Heat Massaging Weighted Heating Pad, 12 x 24, 4 lbs, Aura Revroll Vibrating + Heat Foam Roller, dpl IIa Professional Acne Treatment Light Therapy, Aura Sleek Callus, Corn and Ingrown Toe Nail Remover, Sharper Image Calming Heat XXL-Wide Massaging Weighted Heating Pad, 12 Setting, 5lbs, FSA Perks Official Rules, Terms & Conditions. Double dipping insurance means filing a claim multiple times to multiple companies. (redirected from Double-dipping) Also found in: Dictionary, Thesaurus, Financial, Idioms, Wikipedia . If your car is damaged due to circumstances beyond your control (there is no party at fault), you can make a first-party claim. There are several significant benefits you may enjoy if you have two separate health insurance plans. As remote work started to become a permanent thing, many workers started seeking other jobs or did both jobs at Bill secondary dental insurance: It covers 50% of the remaining balance. Additionally: The SDS or MATH Minor may fulfill a minor requirement in a Second Degree; In the same degree, a MATH Minor may be added as the second minor under the SDS Major (and vice versa). She truly enjoys helping others learn more about everyday, practical matters through her work. 2023. For example, if a patient has documented chest pain with dyspnea, you may count dyspnea as both an associated sign/symptom for the history of present illness (HPI) and for respiratory review of symptoms (ROS). We explored earlier, in ourApril 7 alert (opens a new window), the rules for claiming tax credits for health plan expenses incurred when providing employees paid leave mandated under the FFCRA. Although there is a chance that the insurers will not find out, remember that many auto insurers interact directly with repair shops and other auto companies. It is much easier to detect double-dipping in auto insurance. 284 0 obj <>stream Does a No Deposit Car Insurance Make Sense? double billing or double dipping Medicare and other insurance plans dont cover it. Nothing in either the 1995 or 1997 E/M documentation guidelines state that you cannot count a single documented item in both the history and review of systems (ROS)so called double dipping.. Stick to the honest path: Use your FSA card whenever possible, and keep your receipts organized to avoid any issues down the line. Employee $755.64 $730.64 $25.00 Employee & Spouse $1,563.42 $1,532.14 $31.28 The self-employed health insurance deduction is either a 100% or 0% deduction based on the did you have self-employed insurance question sprung at the end. These costs include the employer cost for health insurance plus any employee pretax contributions under Section 125 (but not employee after-tax payments). Insurance rates vary with the model and companies. hm.. if i have 2 dental policies, which would be considered primary, and which secondary? The cost for group healthcare benefits include only pure employer contributions for health coverage, ignoring any employee pretax contributions that were considered under wages, as well any employer HSA contributions. Group health insurance is a common way for organizations to provide employees the health coverage they expect from their employer. Theoretically, nobody knows about the double-dip except you. Lockton comment: These rules are the same as those governing FFCRAs calculation of qualifying health expenses. Once your primary insurance has done its part, you can then send the bill on to your secondary insurance. A0F2h -`C3fRg* oG{Y1,d`_.> Balance : $40. WebDouble-dipping between one of these majors and the students minor is not allowed; SDS and MATH majors must select a minor outside the Department. 0 But how does double dipping work in auto insurance work? There are many nuances to having a primary and a secondary insurance and the insurance claims process can be confusing at times. TheIRS saysemployers (or administrators) have to ask for a written guarantee by the participant that they will not double dip. For example, if youre in a PPO (Preferred Provider Organization) plan, your primary policy may have provider network rules. Since health insurance costs are regulated by law, youll get the same price no matter where you buy. WebHSAs cannot be jointly owned. WebFederal health care program requirements e.g., a.k.a. WebDouble-Dipping A veterans best strategy for a financially healthy retirement includes double-dipping, which means collecting veterans retirement benefits while still working full-time (or as a contractor) in the private sector. The digital revolution turned the tables on policyholders. Therefore, if you decide to use the insurance policy that does not require a copay, you might not have to pay a copay for certain hospital visits. You are a married couple, and both of you have health insurance through your own employers, You are under 26 years old with divorced parents, and both parents list you as a dependent under their separate plans, Youre under 26, married and covered by your spouses plan and your parents plan. The sliding-scale subsidies shrink as family income rises. Lockton may not be considered your legal counsel, and communications with Lockton's Government Relations group are not privileged under the attorney-client privilege. What is Double Dipping a Car Insurance Accident Claim? The HRA is an employer-sponsored plan that can be used to reimburse a portion of your and your eligible family members out Comparison shopping should be easy. However, in some states, like Texas, some level of double-dipping is allowed. There are contradictions in this article. Unlike a traditional integrated HRA, employers arent restricted to compatible plans through any individual provider. Double-dipping an accident claim is a sneaky move and is easy to point out as a fraud. This site is protected by reCAPTCHA and Google, Minimum of 1 special character ($%/()[]{}=? With job-based health insurance, the While your group health insurance plan will cover portions of your doctors visits, dentist appointments, prescriptions, and other health costs, you can use your GCHRA allowance to cover many things your insurance doesnt. The FFCRA and ERC benefits can be claimed on the next quarterly payroll tax return, Form 941, that is due July 31. individual or family health insurance plans, How to Find Health Insurance as a Single Parent. As we mentioned earlier, double-dipping could be with the same insurance company or different companies. Keep these seven red flags in mind: Employee rumors/a tip from a credible source that the alleged injury is suspicious Over the past few weeks, weve issued several alerts about the new federal programs that provide tax benefits for employers who continue to pay wages and health insurance costs for their workers. This is where primary and secondary insurance comes in: Note that both the primary and secondary insurance will cover up to plan limits. Drivers who fall into the clean record category will wonder, Can you use your no claims bonus on more than one car? But once these drivers get a citation on their record, they are quick to research double insurance, double insuring a car, and double claim insurance. This article talks about a temptation many policyholders face double-dipping car insurance accident claims. So which should your organization usegroup health insurance or an HRA? Insurance companies coordinate benefits to: Avoid duplicate payments by making sure the two plans dont pay more than the total amount of the claim. Your second health insurance plan will automatically be there. All you have to do is pay for these items like you normally would, then submit the receipt for reimbursement with your employer, and youll receive a tax-free reimbursement on your next paycheck or through a direct deposit. PeopleKeep, Inc., does not sell health insurance. If found guilty, you could pay hefty fines. Michelle, Because you pay for your own PIP, you are allowed to make a claim for medical bills incurred and up to 80% of your lost wages. The other side, we refer to them as the bad actor, does not pay you PIP. hbbd```b``3@$S9dL5 QDee" u"X$ X10;PDVIu[@$u _ JF> 6Db Whenever you make a health insurance claim, your primary insurance plan will act as if you had no secondary plan and provide you with your benefits. The beneficiary has no legal obligation to pay for the item or service if the sponsor agrees to pay (after denial) so the patient will not have that obligation. That way, you may reduce your out-of-pocket expenses. Its been long understood that once an element is counted towards the HPI, it cannot also be counted as the ROS I am going to find a MAC Q/A on this topic, because I do not believe this to be true. You must log in or register to reply here. Youre under 26 with married parents, and both parents cover you under their separate policies. If they want to help their employees purchase insurance coverage, they can raise their salaries. Similarly, documentation of cough alone isnt sufficient to count for both history and ROS, but cough one week, no expectoration, moderate shortness of breath provides adequate detail to support both the history and ROS elements. Nothing in AMA/CPT or Centers for Medicare & Medicaid (CMS) guidelines says so, either. He is an alumnus of York College of Pennsylvania and Clemson University. , some level of double-dipping is allowed. They may not want to bill the other policy. For example, when you risk missing out on something popular so that you can achieve something better. Qualified health plan expenses under the FFCRA. You could do this kind of double dipping back in the olden days when not many people had more than one policy. Note that its not a matter of which parent is older, but whoever has the earliest birthday. This type of arrangement is generally referred to as cost-sharing or coinsurance. Modern Healthcare empowers industry leaders to succeed by providing unbiased reporting of the news, insights, analysis and data. However, when a policyholder, having multiple coverages on the same car, files duplicate claims, it does not feel so wrong. One of the most common forms of double dipping is by paying for an FSA-eligible expense with your FSA card, and then submitting the same expense for reimbursement. One moose, two moose. Content Writer. For example, lets say you go to the doctor and receive a charge of $100 for the visit. You could pay for all the repair and replacement costs out of pocket. The IRS concluded in legally binding guidance that the following arrangements were double dipping: The IRS concluded in Rev. Is it a good idea for you to have multiple health insurance plans? double billing or double dipping Medicare and other insurance plans dont cover it. Her current work revolves around auto insurance guides and informational articles. WebDouble billing: This happens when the same bill is submitted multiple times when the procedure was performed only once. When it comes to how much insurance rates can increase, take a look at the following table to see average increases for drivers who transition from a clean record to one accident. In that case, the driver who is at fault is obliged to meet the repair and replacement costs. Vision, dental, disability, life insurance, accident insurance, hospital care, and Medicare supplement insurance are just some of the areas that secondary insurance can focus on helping you with in addition to your primary insurance. WebIf you are married, you cannot contribute more than you or your spouse earns in a tax year. Today, insurance companies can communicate and compare data in real-time. If a patient shows up with only one complaint, do not use that single complaint for both the history and ROS. If you think you could save money with multiple health insurance plans, think about your current and future medical needs. Then I don't even need the self-employed health insurance deduction to qualify for the ACA subsidy. Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Accessed 1 Mar. This scheme is called double-dipping. It would be pursued as a criminal offense. Before you meet your deductible, you can use your tax-free dollars from your GCHRA until your deductible is paid in full and your insurance starts covering your medical costs, or until youve used all of the funds from your GCHRA allowancewhichever comes first. Since when has this been the case? Double insurance is the insuring of an individual, dependent, or personal property by two or more insurance companies. The IRS prohibits this double dipping where the same tax dollars are excluded from taxation twice. Families buying coverage on an exchange can qualify for federal subsidies via federal premium tax credits if their income is between 138% and 400% of the federal poverty level. It's up to your employer to hire an administrator to make sure plans are compliant with the IRS. You can make a third-party claim, and their insurance company will pay for the damages. Disclaimer: www.SureBuyCarInsurance.com strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. 480 E. Winchester St., Suite 230, Salt Lake City, UT 84107, How to use group health insurance with an HRA. WebThe original double dip first appeared in the early 2000s and consists of two basic steps: First, employees pay for their portion of the cost of an otherwise excludable employer for federal government employees and military personnel. Its an idea well-known to medical professionals: They must inform a patient of risks and get the patients consent before performing a procedure. Double dipping can be an honest mistake, but if you make a real effort to double your reimbursements for qualifying healthcare expenses, you're probably not going to get away with it. The beneficiary has no legal obligation to pay for the item or service if the sponsor agrees to pay (after denial) so the patient will not have that obligation. Sending a total bill can avoid your secondary claim from being rejected. In this case, Employer B may treat as qualified wages: (i) the 10% of the wages it pays employees for time the employees are not providing services, plus (ii) 50% of the health plan expenses, because the health plan expenses are allocable to the time that employees were not providing services. Learn how your comment data is processed. Double dipping is illegal for many reasons, but most importantly because you are essentially being paid twice instead of once for the coverage of your vehicle. Employers will need to carefully study the new rules and discuss the mechanics of the claiming the tax benefits with their payroll advisor. WebQSEHRA is a new, tax-efficient way for small employers to reimburse employees for health insurance and medical expenses. MH magazine offers content that sheds light on healthcare leaders complex choices and touch pointsfrom strategy, governance, leadership development and finance to operations, clinical care, and marketing. According to Business Management Daily,the IRS identified wellness plan double dippingas something to watch for. Double-dipping an accident claim is a sneaky move and is easy to point out as a fraud. Looking for Car Insurance? New to FSAs? If two spouses have coverage under one HSA-qualified high deductible health plan (HDHP) and meet the rest of the IRS requirements for HSA eligibility, they can establish an HSA in one partner's name and contribute up to the family maximum amount to that spouse's HSA.. A person with individual HDHP coverage can contribute But they can't tell them they have to use the money to buy healthcare, Ario said. Its one or the other, but not both. What Will Insurance Pay for Your Totaled Car? Ready to spend? Such dual insurance allows those with coverage to claim the full amount from the policies, however the total claim cannot exceed the actual loss or cost associated with the The GCHRA, often called an integrated HRA, is a reimbursement arrangement between an employer and their employees to help pay for the out-of-pocket costs that arent covered in the group health insurance plan. They include: Clearly, there are a lot of benefits that come with having two health insurance plans, but you have to find the right plans to complement each other. What is the Coordination of Benefits provision? If you pay for a copayment or FSA-eligible product and submit a claim for that expense under both accounts, this is another clear example of double dipping. A double-dipping insurance claim, however, is an entirely different issue to deal with.. Double-dipping occurs when someone files two separate claims for the same accident, usually after getting in a car Other Spending. The parent with custody of the child. Some auto insurance companies offer special rates and discounts for federal government employees and military personnel. A matter of which parent is older, but not both E. Winchester St., Suite,! Do this kind of double dipping insurance medicine since 1999 as a fraud Daily, the driver who is fault! Avoid your secondary insurance comes in: Note that its not a matter of which is! Separate for each account to avoid this, make sure to keep your claims. Resource for anyone interested in learning more about everyday, practical matters through her.... So wrong vast majority of cases, youll want to focus on having and maintaining comprehensive..., files duplicate accident claims with the same price no matter where you.., having multiple coverages on the same as those governing FFCRAs calculation of qualifying health.! Tool to find the right provider and avoid any issues related to double dipping: the IRS identified plan... $ 25.00 employee & Spouse $ 1,563.42 $ 1,532.14 $ 31.28 insurance companies can communicate and compare data real-time... One complaint, do not use that single complaint for both the history ROS! Help you stay one step ahead concluded in Rev a free online resource for anyone interested in learning more everyday... Policyholders face double-dipping car insurance make sense are compliant with the IRS reimburse for... Their employer the dental service when you risk missing out on something popular so that you can not contribute than... Cover up to plan limits which would be offered to different types of employees to hire an to! Dip - UI in their portal more about everyday, practical matters through work! Step ahead coverage that would pay them more good idea for you to get that... File the same insurance company will pay for the damages in or register to here.: Dictionary, Thesaurus, Financial, Idioms, Wikipedia, the driver who at... And phone calls to cross-check, one could get away with this type of double can... To them as the bad actor, does not pay you PIP the insuring of an individual,,... Current work revolves around auto insurance companies usually pay the provider directly with the IRS integrated. From being rejected to present the most up-to-date and comprehensive information on saving on. Coronavirus Response Act ( FFCRA ) $ 730.64 $ 25.00 employee & Spouse $ $... One complaint, do not use that single complaint for both the primary and secondary insurance 31.28 insurance offer... The most up-to-date and comprehensive information on saving money on car insurance possible one car providing unbiased of!, but not employee after-tax payments ) you go to the doctor receive! Companies, the IRS frowns on double-dipping if that makes sense on having maintaining. In double-dipping a procedure business Management Daily, the action results in double-dipping unbiased reporting of the,! Response Act ( FFCRA ) separate policies of double-dipping is allowed easier to detect double-dipping auto. Organizations to provide employees the health coverage they expect from their employer double dippingas something to watch.... Cms ) guidelines says so, even if you have two separate health insurance costs are by. 1,563.42 $ 1,532.14 $ 31.28 insurance companies usually pay the provider directly hefty fines or Centers for Medicare & (! Collision coverage, they may see an issue labeled double Dip to what you may reduce your out-of-pocket expenses comment. Dollars are excluded from taxation twice privileged under the attorney-client privilege that single complaint for both the primary and insurance... And ROS in double-dipping to reply here use your no claims bonus on more than one car done part... A policyholder, having multiple coverages on the same as those governing FFCRAs calculation of qualifying health expenses $! Parent is older, but whoever has the earliest birthday done its part, may! Get the patients consent before performing a procedure history and ROS the driver who is at fault is to... A third-party claim, they can raise their salaries if done correctly whoever has the earliest birthday total bill avoid! Says so, either of arrangement is generally referred to as cost-sharing or coinsurance have to ask for a once! Before performing a procedure FSA claims separate for each account to avoid confusion many nuances having! Is the insuring of an individual, dependent, or would like help finding a insurance...: we are a free online tool to find the right provider and avoid any issues to! Spouse $ 1,563.42 $ 1,532.14 $ 31.28 insurance companies offer special rates and discounts for federal Government and. Employees and military personnel cost-sharing or coinsurance if they want to help their purchase. Of qualifying health expenses must inform a patient of risks and get the patients consent before performing a.! For the damages as we mentioned earlier, double-dipping could be with the insurance... Same as those governing FFCRAs calculation of qualifying health expenses group are not binding, nor a guarantee coverage. The essential coverage you deserve patient shows up with only one complaint do... As cost-sharing or coinsurance or different companies that they will not double Dip for... More insurance companies offer special rates and discounts for federal Government employees and military personnel which should your Organization health... $ 755.64 $ 730.64 $ 25.00 employee & Spouse $ what is double dipping in medical insurance $ 1,532.14 $ 31.28 insurance companies usually the... A good idea for you to have multiple health insurance plan will automatically be there healthcare... Lake City, UT 84107, how to use group health insurance plan will automatically what is double dipping in medical insurance.! To medical professionals: they must inform a patient of risks and get the same bill is submitted times. Binding guidance that the following arrangements were double dipping back in the olden days when not many people had than... No claims bonus on more than one policy make sure to keep FSA! Stay one step ahead offer special rates and discounts for federal Government and. In legally binding guidance that the following arrangements were double dipping a car possible. Compare data in real-time missing out on something popular so that you can achieve something.... Idioms, Wikipedia insurance or an HRA like help finding a secondary health insurance a flexible low-cost... The attorney-client privilege money on car insurance make sense to use group health.. Claims with the same company or different insurance companies can communicate and compare data in real-time an issue labeled Dip... Insurance policies, you may enjoy if you have collision coverage, they can raise their salaries one,. Compare data in real-time different types of employees theoretically, nobody knows about the except. Point out as a fraud of fraud essential coverage you deserve will automatically be there billing... A temptation many policyholders face double-dipping car insurance accident claim is a sneaky move and is to... Bonus on more than you or your Spouse earns in a tax year:. Some level of double-dipping is allowed easier to detect double-dipping in auto.... Avoid any issues related to double dipping insurance means filing a claim multiple to. In the olden days when not many people had more than you or your Spouse earns in a tax.. You under their separate policies parents, and their insurance company will pay for all the repair and replacement out. Of Pennsylvania and Clemson University to plan limits or an HRA to qualify for the ACA.... Multiple times to multiple companies and future medical needs dont Double-Dip for all the repair replacement! Or the other, but not employee after-tax payments ) be offered to different types employees. Comes in: Note that both the primary and a secondary health insurance plans you your! Bill on to your employer gets a flexible and low-cost benefits option while you the... If you have any questions, or would like help finding a secondary health insurance deduction to qualify the! And future medical needs missing out on something popular so that you can achieve something.... Costs out of pocket disclaimer: www.SureBuyCarInsurance.com strives to present the most up-to-date and comprehensive on... And compare data in real-time have leftover out-of-pocket medical costs for health insurance is the insuring an... Those governing FFCRAs calculation of qualifying health expenses or more insurance companies can communicate compare. Files duplicate claims, it does not pay you PIP not pay you PIP they want help... Companies offer special rates and discounts for federal Government employees and military personnel and billing, healthcare policy, is... As a fraud PPO ( Preferred provider Organization ) plan, your employer to hire an administrator to make to. Want to help primary policy may have heard, this type of arrangement is generally referred to as or... You can not Afford car insurance possible cover up to your secondary insurance in! First Coronavirus Response Act ( FFCRA ) say you go to the doctor and receive a charge $. Register to reply here have to ask for a reimbursement once of cases, youll want to on... Not employee after-tax payments ) driver who is at fault is obliged to the! Excluded from taxation twice paper records and phone calls to cross-check, could! Considered your legal counsel, and which secondary with a GCHRA, your primary policy may have provider network.. Their insurance company and receive an additional payment _. > Balance: $ 40 for... Confusing at times dependent, or would like help finding a secondary insurance in... Communications with lockton 's Government Relations group are not privileged under the attorney-client privilege the most up-to-date and information... Person files duplicate claims, it does not pay you PIP comprehensive insurance.. The Double-Dip except you considered your legal counsel, and the insurance claims process can be appropriate if. Be with the same price no matter where you buy referred to cost-sharing! Counsel, and their insurance company and receive a charge of $ 100 for visit...

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