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In response to "not all insurance companies pay the same rate, have the same deductible, etc. its an accounting pricing model which is setup to " by tRuMaN

No, I agree. I think we just got twisted. You were saying that the low price of $500 explains why they charge $1000 for the uninsured.

My point being that if they don't in aggregate charge the proper amounts at the $500 analagous level, the $1000 price can't possibly fix it.

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