I'll be the first to tell you, I do NOT like hassles. And I don't particularly like confrontations either. So when the Explanation of Benefits form (you know, that "This is not a bill" thing from your insurance company) for my husband's recent annual checkup arrived showing several segments of the claim denied, I cringed. Before long, the bill from the doctor's office arrived, showing a balance due. Yuck.

In all honestly, I was sorely tempted just to pay it and be done with it! But then I real...
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