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It is unique to the way healthcare works in the USA. I don’t know why, the complete system looks broken. I can only tell you we pay less for healthcare here in Europe and we don’t have to call unless it’s really complicated and a rare situation. I’m sorry if that sound a bit off and doesn’t help…
Thanks for spreading the word. We get these complaints every few weeks. More people need to be educated and move away from these instances to make the Threadiverse a better place.