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____ are required by many insurance plans to reduce the number of unnecessary surgeries. second opinions
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____ are required by many insurance plans to reduce the number of unnecessary surgeries. second opinions

User Thomas Blobaum
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I think the correct answer would be second opinions. Insurance companies would recommend their members to go for second opinions so as to make sure the operation is worth it for them to spend less and wisely. Hope this answers the question.
User Justin K
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