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What she said!
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I checked the US Healthgroup website, by the way, there are only 3 agents in the whole state of Arkansas listed.
That's a bit odd. Horselady_000 doesn't sound like a Jimmy or Allen....
The worst part, of course, is when someone with this crap has a major claim that leaves them with a huge bill that the indemnity plan stops paying after $40 or $50K.