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That doesn't tell you there's a problem with the system? If a doctor can't fill out the proper paperwork to help to heal or even save the life of a patient... what's the benefit of having the insurance company? And are you really suggesting that 1/5 cases in California are turned down due to clerical error? If that's true, there is a systemic clerical error problem that's costing lives. If it's not true, the insurance companies are turning down people even though everything is in order.
It's lose/lose.
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