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"Your HMO won't cover this so I'm going to rub some salt in these wounds."
"I'd like to approve a second opinion but your HMO considers that experimental medicine."
"You've come to me just in time. Your HMO is going to stop covering this."
"You'll be awake during the entire procedure. Your HMO won't cover the Anesthesia."
"It's curiosity and your HMO won't cover it."
"I'm afraid bleeding badly from a facelift is not covered under Trrumpcare."