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I used to be in a union. Go to the doc in January, pay the visit in full. After that everything was covered 100% for the rest of the year.
Later I worked at a small business. The owner had pooled with a few other small businesses to self insure. I can't remember what big insurance company to actually manage the plan, but their self insured company was registered in the Netherlands Antilles. So every winter, they got a tax deductible trip to the annual meeting.
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