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I have had more than my share of woes with multiple insurance companies and I am no fan of them.
On the other hand, it does make a certain amount of sense that two procedures at the same time should take less time/effort on the doctor's part, and thus a discount of some kind should be expected. Not nearly the discount the insurance company is asking for, to be sure, but as an example, we've had anesthesiologists charge us three times even though they only put the kid under once, because there were three procedures done by a different doctor while they were under. There's a lot of bullshit on both sides.
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