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Kind of. That money comes from somewhere. It's like saying that I have car insurance so I don't have to pay for a new windshield. Really I already paid for that windshield via my insurance premiums.


But also your insurance provider collectively bargained the cost of a new windshield down to $20 as long as you go to their mechanic.


I’ve never received an explanation of benefits that showed all that much of a discount. Usually it’s something like $400 adjusted down to $370.




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