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Bona fide emergencies are almost always treated as in-network by insurance companies regardless of the network status of the provider (it's a requirement).  However, what do you do if you don't have a life or limb threatening emergency but you need treatment sooner than later?...

Premium rate increases for small businesses have leveled off to an extent for many of our clients.  While it's always welcome to have lower rates, some of that comes at a price. Beyond just raising the deductible, carriers are finding less obvious ways to save money...