It has been said that Insurance Providers are only in for their money and that their clients don't really matter to them, as do clients for companies that are not insurance companies. Too many insurance providers is killing the system.
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Insurance providers are in it for the money, just like you are. However people do not understand how insurance works and think that the mysterious insurance carrier has buckets and buckets of money, however if you take advantage of your medical insurance, you are hurting your employer in the long run, running up premiums they have to pay. Insurance companies need to make money to pay their employees and have money on hand for future claims payouts.
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