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No insurance discounts ever. When I was old enough to pay for insurance he had a private practice in NY and then so as not to pay for the high malpractice insurance and keep better hours, he did research for Bristol Myers.
Edit: one of the experimental cancer drugs my mother was on was 100% free since he was an employee. Would have never been paid by most insurance companies and cost more than my first house. It extended her life by almost 3 years.
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