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Insurance companies do not tell Doctors what tests they can and can't run... when you have a problem and a doctor says I think you need a *blah* no phone calls are made for approval - unless it's high risk and you may not be covered. When 10 doctors walk into your room and pickup your chart, the insurance companies didn't order that. When doctors find the issue, insurance companies don't tell doctors to test more.
The person, 100% in control of all tests, is you... and only you.
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