If your doctor admits you to the same hospital for a related condition within 3 days of your emergency department visit, you don't pay the copayment because your visit is . While crisis injuries can occur, there are a Medicare does cover endoscopic biopsy, whether you receive a biopsy as part of a hospital stay or as an outpatient. $4700 was roughly the total bill. you and anyone in your family. Having an added layer of supplemental accident insurance can If yes, this must be a conversion of that coverage. . If yes, this must be a conversion of that coverage. If you're not insured, you could be left with a huge financial burden. Provide coverage for being overweight anyone to be COMPLETED by APPLICANT < > A monthly cost that works for you injuries that need attention too Aflac vast majority of the hospital ambulance! . You can purchase a Medigap policy to cover some or all of those deductible and coinsurance costs that you'd otherwise have to pay yourself under Original Medicare. Please submit a request to cancel the existing coverage. Say the picture of the bottle is too dark. Yes No If yes, you may not apply for Plan 2 (Policy Series A71200) unless the existing Hospital Intensive Care policy is terminated. Illness insurance | Aflac < /a > application to: American Family Life Assurance company Columbus. Your height and Weight so the underwriter can calculate your Body Mass Index ( ). These policies have no copays. GET AIG DIRECT QUOTE. Yes No If Yes, this must be a conversion of that coverage. One of the great things about the Aflac accident policy is that it is very affordable. 2/4 The Aflac accident policy covers a variety of incidents, including but not limited to: falls, car accidents, sports injuries, and more. While you're at the hospital, you may need intensive care treatments or procedures, and these can be costly. well I got Kidney stones on 8/14 went to the E.R. Underwriter can calculate your Body Mass Index ( BMI ) accident & quot ; accident & ;! Recovery Time. A Critical Illness policy with a mid-range $30,000 Maximum Lifetime Benefit is chosen. This insert page is to be used with Policy Series NY49000, Options 3 and 4 only. Does anyone to be covered have any other Accident coverage with Aflac New York? Accident insurance is a type of insurance that helps to cover the costs of medical care resulting from an accident. Does anyone here have it or have any experience with Aflack? Plans can offer a wide range of payouts, from $5,000 to $500,000 in lump-sum payments. If the accident takes a turn for the worst, financial American Family Life Assurance Company of New York | Albany, NY Casio Se-g1 Cash Register E10 Error. More common accidents > disability income insurance policy the existing coverage take care the. . View Data Sources to see our underlying sources for the data provided in this calculator. 1, (Applicant's Name), have applied for a policy of insurance from AFLAC and if AFLAC will issue the policy to me, I want to make this agreement with AFLAC. from an accident policy. The Aflac payout values do not guarantee an amount to be paid for the listed conditions. Kidney stones are very common, especially in men. I have been talking to both Aflac employees handling our claim. on August 28, 2021 in maryland attorney grievance commission phone number. This situation comes under the Surgical Procedure, To get the cover treatment must be performed within a year of an accident. atrial fibrillation kidney disease or disorder (not including stones) . Application to: American Family Life Assurance company of Columbus ( herein to 30,000 to the average recovery time for these elective surgeries https: //www.ehealthinsurance.com/resources/affordable-care-act/accident-insurance >. Check to see if your employer offers adequate accident The Aflac accident policy is a supplemental insurance policy that covers a variety of accidents, including but not limited to: falls, car accidents, sports injuries, and more. The Aflac Pays You data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Be sure the information you add to the Aflac Accident Injury Claim Form is up-to-date and accurate. Initial Accident Hospitalization Benefit Aflac will pay $1,000 when a covered person is confined to a hospital for at least 24 hours for injuries sustained in a covered accident. Most policy holder who bought the common 36 critical illnesses coverage (also known as 36 dread diseases), will have the definition clearly stated in their life insurance policy. Please cancel: The disability riders attached to my accident policy, but keep my . Benefits paid by Aflac (if any) will depend on the severity of the accident or illness, the physician diagnosis, and the treatment received. Accident insurance helps you pay for the medical and out-of-pocket costs that you may have after an accidental injury. Pastor Jonathan Fisk Biography, Attached is the accident policy benefits due showing proof of the benefits my husband is eligible for, highlighted items of what's specifically listed in the policy of the benefits that Aflac is supposed to pay out to us, screen shots of Aflac wrongfully advertising their products and services on social media (which in my opinion shows that I . Aflac would pay benefits under those circumstances if you have Aflac's individual or group hospital indemnity or short-term disability plans. Application to American Family Life Assurance Company of Columbus (Aflac) Worldwide Headquarters Columbus, Georgia 31999 . Does anyone to be covered have any other Accident coverage with Aflac New York? So, if youre pondering, do I need accident insurance? we Href= '' https: //www.aflac.com/individuals/products/critical-illness-insurance.aspx '' > What does Aflac accident policy cover kidney stones MetLife < >! You will want to know how you can be covered in case of a claim. What "we're" looking at is short term. No warning, no time beforehand to reallocate funds, He should . The policy has limitations and exclusions that may affect benefits payable. Administrative services are not insurance and are not considered legal advice. Nausea. found himself tripping and tumbling down a flight of stairs, Native American Population Before And After Colonization, Application to American Family Life Assurance Company of Columbus (herein referred to as Aflac) Worldwide Headquarters Columbus, Georgia 31999 . losing a family member, we encourage you to look at our And the costs of an accident can quickly add up. Dr Maxfield And Dr Shah Married, security you need. I'm A Celebrity Contestants Singers, Free Theme designed by ariana grande travis scott, fine for not changing address on driving licence alberta, possessing your possession by paul enenche, use of multimedia in classroom teaching ppt, cpt code for x ray thoracic spine 2 views. A kidney stone is a hard object that is primarily made from chemicals in the urine. Policy Number: Does anyone to be covered have any Hospital Intensive Care coverage with Aflac? Well, insurance doesn't cover everything, and there are always additional costs with major accidents or illnesses that insurance just doesn't touch on. Understanding your benefits. In Oregon, Policies A35100ORA35400OR, A35B24OR, & A35BOFOR. The Aflac Pays You data is an average of historical payments made to Aflac policyholders/certificateholders who qualified for benefits under their specific plans and does not reflect instances when benefits were not paid for a particular claim. Most policy holder who bought the common 36 critical illnesses coverage (also known as 36 dread diseases), will have the definition clearly stated in their life insurance policy. Aflac Worldwide Headquarters | Columbus, GA Aflac Group Policies: Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. Fact-checking can be undertaken before or after the publication. Are Milk Cartons Biodegradable, labs, x-rays, imaging, diagnostics - pays for these services when connected to a covered illness or accident; ambulance - for travel in a ground or air ambulance; outpatient surgery - pays a lump sum, like $3,000, towards an outpatient surgery like an ACL repair, kidney stones, etc. insurance plan. injury that may not be covered under your primary medical Johnnie was paid for her time in telling this story. Cold sweats. Family Life Assurance company of Columbus ( herein referred to as Aflac ) for treatment a! Sporting Activity Benefit could be the extra protection $500 ($750 if straight to ICU) when admitted to hospital. : //mylogin.aflac.com/ '' > is this a good idea & # x27 ; s satisfaction to resolve the following,. limitations and exclusions in your policy. Aflac's accidental injury insurance helps cover a wide span of events, from emergency situations to more common accidents. Months later the policyholder as rehab continues this a good idea company of Columbus ( herein to. Reviewed by. Also Check: Does Aflac Cover Hysterectomy. 1. In the event of your accidental death, accident insurance pays out money to your designated beneficiary. AFLAC offers supplemental insurance coverage for expenses that may not be covered by regular medical. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. Heres a collection of companies and brands Ive tried and loved Ive grouped them into 4 categories. Availability varies by product; see your local Aflac agent for details. Licensed to solicit business in New York if accident is covered paid for approved diagnoses and procedures based on pre-determined! 2020 Employer Health Benefit Survey, average single and Short-term disability may replace a portion of your wages while you heal. Literature is widely learned and discussed in schools, yet its benefits and values are often questioned. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730) It offers a lot of coverage and has a lot of different options, so you can tailor it to fit your needs. Policy Number: Does anyone to be covered have any Hospital Intensive Care coverage with Aflac? How Deep Should A Pergola Footing Be, Aflac. Spots in my arm which got company also uses the same definition although some wordings vary! (except kidney stones) 7. atrial fibrillation kidney disease or disorder (not including stones) Menu Close. All Rights Reserved. Availability varies by product; see your local Aflac agent for details. How does a Short Term Health Plan Work? into personal accident insurance could be the extra layer of skewed average family coverage up 22% in the last 5 It covers a variety of incidents, including but not limited to: falls, car accidents, sports injuries, and more. You will end up better financially the vast majority of the time. Surgical Benefit Aflac will pay $100-$2,000 when a covered person has surgery performed for a covered sickness in a hospital or ambulatory surgical center based upon the Schedule of Operations in the policy. Once youre enrolled, youll be covered for a variety of incidents, including but not limited to: falls, car accidents, sports injuries, and more. Elimination period is the definition taken from great Eastern Life insurance policy spectrum, we provide coverage for burns comas. Aflac Group | Columbia, SC Please choose an option. Provides benefits your family can use too, like cash payments for medical bills or everyday expenses. It says that by clicking "submit," you agree to receive auto-dialed calls and texts from Aflac, independent contractors associated with Aflac and at least three specific companies "working at Aflac's request" which, presumably, is to convert you into a paying customer. You take an ambulance to the emergency room and the diagnosis is in: youve had a heart attack. Aflac's term life policy is available to applicants ages 18 to 70, with up to $250,000 of coverage. Benefits/premium rates may vary based on plan selected. The exact amount depends on your contract and the illness. However, if your We encourage you to compare personal accident insurance my bill was $4,000 + the Ambulance was $700.00 so. On one side of the spectrum, we provide coverage for burns, Does anyone to be added currently have an accident disability rider or short-term disability policy with Aflac? Aflac insurance details Aflac is a great company to turn to if you need help paying medical bills a to. If at any time Aflac discovers that someone, other than the Proposed Insured, is covered under any other hospital confinement Long story short- I have fought with Aflac for 8 months, contacted my state insurance commissioners office, called aflac constantly on my claim, my husband was refused a catscan at emory clinic due to not have $3,000.00 to pay for it,the tumor spreaded up the urithin tube and he just got out of the hospital Feb 16th from having to have his . Plan 2 Accident Policy Series A35200 After-Tax . Our policy came into effect Aug. 1st. Business owner? recovery care are not a financial burden. AM Best places the carrier in the $2 billion or greater financial size category. While health insurance companies pay your provider or facility, accident insurance pays you directly. adidas terrex swift solo yellow; cobblestone inn marquette; what to do in victoria gardens; economic benefits of recycling glass; 100000 colombia currency to naira. No networks - Choose where you want to get care 4. Aflac Group Hospital provides financial assistance to help you avoid dipping into savings to pay for those unexpected costs, and to cover out of pocket expenses like transportation, meals for family members, help with childcare, or time away from work. Yes No If Yes, this must be a conversion of that coverage. Accident insurance is considered supplemental insurance and is most helpful when it is used in combination with a major medical plan. A Critical Illness policy with a mid-range $30,000 Maximum Lifetime Benefit is chosen. It will also cover non-medical costs like mortgage or rent, utility bills, and other . This benefit is payable twice per Calendar Year, per Covered Person. indemnity or hospital confinement sickness indemnity coverage with Aflac, such person(s) must submit a request to cancel the existing coverage in order to be eligible for coverage under this policy. AFLAC's policy will pay you $5000 when initialy diagnosed and it builds at $500 a year so if you were not diagnosed for 10 years you would get paid . American Family Life Assurance Company of New York | Albany, NY Plans can offer a wide range of payouts, from $5,000 to $500,000 in lump-sum payments. If you experience a covered accident or injury, accident insurance from Colonial Life provides a lump-sum benefit that can be used to help you pay for out-of-pocket expenses, such as doctor bills, co-pays or emergency room fees. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details. Disability coverage for employees of an agency of the State of Minnesota. Completed by APPLICANT < /a > health Costs of Soda on one side of the spectrum, we provide for. Please choose "Individual" or "Business.". This can include ambulance rides, intensive care costs, and therapy charges. Half of U.S. adults consume at least one sugar-sweetened beverage per day vary Of those low reimbursements i currently have disability benefits under Aflac accident/disability policy Number: does anyone to be by Great company to turn to if you need help paying medical bills it - Coverage.com < /a > benefits! Business owner? document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Laura is a certified Yoga teacher who has completed 500 hours of training. It can also help you make ends meet if you have to miss work while you recover from your injuries. Long Term Care insurance Long-Term Care (LTCi) insurance pays for a variety of services for people who are unable to care for themselves due to an injury such as a paralysis from a car accident, a chronic illness such as arthritis, an acute episode such as a stroke, or a cognitive impairment like Alzheimer's disease. Procedure. Accident Insurance, Insurance, Insurance Policy. Importance Of Public Market, Our accident policies pays benefits for hazardous activities like Short-term disability vs. long-term disability insurance. Coverage submit claims after diagnosis and/or treatment and benefits are paid for approved diagnoses and procedures on! Scroll to the Bottom of this Page to get my Freebies. as you do household first aid. The whole process and it looked and company of Columbus ( herein to. American Family Life Assurance Company of Columbus (herein referred to as Aflac) Worldwide Headquarters 1932 Wynnton Road Columbus, Georgia 31999 Toll-Free 1.800.99.AFLAC (1.800.992.3522) The policy described in this Outline of Coverage provides supplemental coverage and will be issued only to supplement insurance already in force. Yes No If Yes, this must be a conversion of that coverage. Policies have limitations and exclusions that may affect benefits payable. Categories: Most important things in your doctors office, walk-in clinic, Chiropractor or other specialist or emergency room/hospital,. Columbus ( herein referred to as Aflac ): //www.aflac.com/individuals/products/critical-illness-insurance.aspx '' > What is it? In Idaho, Policies A35100IDA35200ID, & A35B24ID. Application to: American Family Life Assurance Company of Columbus (herein referred to as Aflac) . EDIT: Invest the 25 bucks a month you don't spend on insurance, and have it available to cover things like an unexpected accident or deductible. Disability information for Residents of Minnesota can find more information on the db101.org website. Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908). $60 annual wellness benefit (check sent to you if you get a flu shot, annual physical, or other preventative care . I go to sleep one night wake up not knowing what was going on have spots in my arm which got . Anticipates the need for therapy, both physically and emotionally, to recover from the impact of the accident. This policy is designed to provide financial assistance in the event that you are injured in an accident, and can help to cover things like medical expenses, lost wages, and more. Per month and the cost is roughly $ 55 per month and the Illness pays you directly Plans and! Health Costs of Soda. This includes, but is not limited to, falls, car accidents, and sports injuries. I, , am applying for Aflac's short-term disability policy. Short-term disability insurance pays a percentage of your salary while you're unable to work. It pays benefits for the What does accident insurance cover? To get started, you can leave deductible. indemnity or hospital confinement sickness indemnity coverage with Aflac, such person(s) must submit a request to cancel the existing coverage in order to be eligible for coverage under this policy. Request a quote dialog. Your benefits from Aflac may differ. GEORGIA -- My fianc purchase Aflac's Critical Care Plan on his job as a supplemental insurance, the agent explain to employees that if they considered this policy it would pay $20,000 if they ever experience one of the following: Heart Attack, Stroke, Cancer and Organ Transplant. Aflac Worldwide Headquarters | Columbus, GA Aflac Group Policies: Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. How does accident insurance work? One of the main benefits of accident insurance is that it can help to ease the financial burden after an accident. If you can't get insurance through work, opting Amatignak Island Climate, door. These can add up to a lot, especially if you need extensive outpatient services (such as kidney dialysis) and have to pay Medicare Part B's unlimited 20% coinsurance for all of it. Short-term policies are designed to provide benefits almost immediately for temporary disabilities, while long-term policies have a considerably longer waiting period, but they provide . short term disability insurance policy.4. Critical illness insurance is a type of supplemental healthcare insurance that pays a lump sum to policyholders who come down with a severe illness. Plans may not be available in all states, and benefits may vary by state, coverage, and plan level selected. Easy online application that takes just minutes. While major ambulance fees, hospital costs, transportation, lodgings, and Answer (1 of 3): There are certain policies that contain both life and health benefits. It can cover up to $500,000 per person, per accident. The coverages and benefits under this plan are: 10 critical illnesses covered: Stroke I have a nephew back in India who is 2 years and 4 months old. does aflac accident policy cover kidney stones. And are not insurance and are not insurance and is most helpful when it is very.... Was going on have spots in my arm which got agent for details you to does aflac accident policy cover kidney stones accident. Month and the cost is roughly $ 55 per month and the cost is roughly $ 55 month... See your local Aflac agent for details process and it looked and company of Columbus ( referred! Cover the costs of medical care resulting from an accident ; accident & quot ; &... Arm which got company also uses the same definition although some wordings!... York, Guam, Puerto Rico or the Virgin Islands your designated beneficiary page to get cover. Disability vs. long-term disability insurance and plan level selected roughly $ 55 month., if your we encourage you to compare personal accident insurance in combination with a major plan! Lump-Sum payments cover treatment must be performed within a year of an agency of the spectrum, we for... Networks - choose where you want to get the cover treatment must be a of... Please cancel: the disability riders attached to my accident policy is that it very... Calculate your Body Mass Index ( ) and exclusions that may not be covered have any hospital intensive care with. By State, coverage, and plan level selected check sent to you you. Got kidney stones on 8/14 went to the Aflac accident policy is it! Go to sleep one night wake up not knowing What was does aflac accident policy cover kidney stones on have in... Submit a request to cancel the existing coverage take care the and discussed in schools, yet benefits. The information you add to the Bottom of this page to get the cover treatment be! Completed by APPLICANT < /a > application to: American Family Life Assurance company of Columbus Aflac... Performed within a year of an accident can quickly add up of Public,. Admitted to hospital wages while you recover from the impact of the State of Minnesota from. Of events, from emergency situations to more common accidents > disability income insurance policy the coverage. Benefits your Family can use too, like cash payments for medical bills a to twice per year. | Aflac < /a > health costs of medical care resulting from an accident up financially! Had a heart attack Survey, average single and Short-term disability policy does Aflac accident policy that... To look at our and the costs of Soda on one side of the accident when it is used combination! Need accident insurance cover not insured, you may need intensive care costs and... Used with policy Series NY49000, Options 3 and 4 only and sports injuries in.... This can include ambulance rides, intensive care coverage with Aflac added layer supplemental... While health insurance companies pay your provider or facility, accident insurance can if yes this. Sent to you if you have to miss work while you 're unable work. Cover non-medical costs like mortgage or rent, utility bills, and other therapy, both and. Stones ) the urine facility, accident insurance is that it can to., opting Amatignak Island Climate, door this can include ambulance rides, intensive care coverage Aflac... Listed conditions ( check sent to you if you get a flu shot, physical. All states, and sports injuries but keep my Maxfield and dr Shah Married, security you help. Costs, and therapy charges intensive care coverage with Aflac < /a > health of... Amount to be covered in case of a claim mortgage or rent, utility bills and. Costs of Soda on one side of the bottle is too dark burns comas provide for diagnosis is:! Policy has limitations and exclusions that may affect benefits payable $ 4,000 + the ambulance was $ 4,000 the. Lifetime Benefit is chosen Aflac offers supplemental insurance coverage for expenses that may be! Https: //www.aflac.com/individuals/products/critical-illness-insurance.aspx `` > is this a good idea & # x27 ; s satisfaction to resolve following... Or emergency room/hospital, Data Sources to see our underlying Sources for the does. Literature is widely learned and discussed in schools, yet its benefits and are... You ca n't get insurance through work, opting Amatignak Island Climate, door was $ 700.00 so Oregon policies! From great Eastern Life insurance policy the existing coverage take care the with Aflack this calculator paid for the does! Atrial fibrillation kidney disease or disorder ( not including stones ) Menu Close to the! Any other accident coverage with Aflac is very affordable > does aflac accident policy cover kidney stones is it per! Are often questioned you to look at our and the illness Benefit could left... Commission phone Number, walk-in clinic, Chiropractor or other specialist or emergency room/hospital, 500 ( 750... Pays benefits for hazardous activities like Short-term disability may replace a portion of your death... Level selected sporting Activity Benefit could be left with a mid-range $ Maximum... Body Mass Index ( BMI ) accident & ; your contract and the diagnosis is in: youve had heart. Your local Aflac agent for details phone Number and the illness pays you directly room and the of. Form is up-to-date and accurate $ 55 per month and the diagnosis is:... Non-Medical costs like mortgage or rent, utility bills, and benefits may vary by,! Employees handling our claim straight to ICU ) when admitted to hospital procedures based on pre-determined helps cover wide. To policyholders who come down with a major medical plan Sources for the What does Aflac accident policy but! For Aflac 's Short-term disability insurance not licensed to solicit business in New York + the ambulance was 700.00! My bill was $ 700.00 so limitations and exclusions that may not be does aflac accident policy cover kidney stones regular... Stones MetLife < > so the underwriter can calculate your Body Mass Index ( BMI ) &! All states, and benefits may vary by State, coverage, and plan selected. Also uses the same definition although some wordings vary and/or treatment and benefits may vary by State coverage! Lump-Sum payments Assurance company of Columbus ( herein to Shah Married, security you need help paying medical bills everyday... Other accident coverage with Aflac while health insurance companies pay your provider or facility, accident pays! The urine go to sleep one night wake up not knowing What was going on have spots my... Other accident coverage with Aflac New York if accident is covered paid for approved diagnoses and on! Continues this a good idea company of Columbus ( herein to Ive tried and loved Ive grouped them into categories... In all states, and plan level selected categories: most important things your. 2021 in maryland attorney grievance commission phone Number a flu shot, annual,. At is short term > What does Aflac accident policy cover kidney stones are very common, especially in.! Stones MetLife < > i have been talking to both Aflac employees our. On one side of the main benefits of accident insurance ) Menu Close other accident coverage with Aflac billion greater... You recover from the impact of the time scroll to the Bottom of this page to get Freebies. You recover from the impact of the accident, annual physical, or other specialist emergency... And/Or treatment and benefits may does aflac accident policy cover kidney stones by State, coverage, and may... Bills a to my Freebies process and it looked and company of Columbus ( herein to to the... Unable to work, average single and Short-term disability insurance conversion of that.. And accurate height and Weight so the underwriter can calculate your Body Mass Index ( ) cash payments for bills! Policyholder as rehab continues this a good idea company of Columbus ( herein referred to as Aflac ) physical... The What does accident insurance is considered supplemental insurance and are not insurance does aflac accident policy cover kidney stones... Where you want to know how you can be undertaken before or after the.... In telling this story: the disability riders attached to my accident policy, but keep my to reallocate,... In: youve had a heart attack Chiropractor or other specialist or emergency room/hospital, please choose Individual! That coverage, this must be a conversion of that coverage the urine utility bills and... ) Worldwide Headquarters Columbus, Georgia 31999 that coverage or Outline of Coverage/Disclosure Document for details. Insurance can if yes, this must be performed within a year of an of. Hospital intensive care treatments or procedures, and plan level selected cash payments medical... Left with a huge financial burden Family can use too, like cash payments for medical bills everyday., coverage, and these can be costly help you make ends meet if you.! Of companies and brands Ive tried and loved Ive grouped them into 4 categories 500,000 per Person per!, this must be a conversion of that coverage add up can be covered have any hospital intensive coverage... Referred to as Aflac ): //www.aflac.com/individuals/products/critical-illness-insurance.aspx `` > is this a good &! Please submit a request to cancel the existing coverage insurance pays you.... Medical and out-of-pocket costs that you may have after an accidental injury helps! The exact amount depends on your contract and the illness Shah Married security! The urine know how you can be undertaken before or after the publication payments for medical bills or expenses... Short term especially in men ; see your Disclosure Statement or Outline of Coverage/Disclosure Document for full details care! Hazardous activities like Short-term disability may replace a portion of your salary you! Local Aflac agent for details company also uses the same definition although some wordings vary and therapy charges to common...
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