These were all covered under a third-party insurance policy that Saint Andrews purchased.

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And government-run third-party insurance probably creates more perversity than private insurance.

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The groups also say that the cost of treating service-connected injuries could lead to veterans quickly maxing out their benefits in third-party insurance, risking coverage for not just them but their families, who are also covered under the plans.

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And, to some degree, this cost escalation has been fueled in part by third-party payers: insurance companies for healthcare, and easy government loans for higher ed.

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Although the model differs from region to region and doctor to doctor, concierge medicine basically means that patients pay doctors to be their agents, rather than the agents of third-party-payers such as insurance companies or government bureaucracies.

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Accordingly, the more healthcare utilization increases, the higher the cost for third party payers, which include not just insurance companies, but taxpayer-supported government insurance plans such as Medicare and Medicaid.

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But for the vast, vast majority of people living in the United States, the difference in prices across hospitals will be dramatically reduced because now they will be receiving private health insurance, or healthcare coverage through Medicaid or Medicare, and those third-party payers will negotiate on their behalf.

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Officials should be aware that in the past several years insurance companies have begun to market specific computer policies that may provide first and third-party coverage for losses associated with cyber incidents, such as costs for data restoration, crisis response, privacy notification and forensic investigation, as well as defense and indemnification arising out of cyber incidents, and business interruption.

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