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The US healthcare billing model’s total lack of authentication and disconnection from point of service means that it’s broadly plausible you do owe some random provider money at any time up to several years after your last doctor visit.

Send someone an official looking piece of paper telling them they received $394 worth of in office medical laboratory service from Tristate Medical Partners Inc in August last year, that insurance paid $374 and that they just owe you a $20 copay, and I think a lot of people will just go to the online bill pay site and hand over the money.



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