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Examination of a patient by a doctor employed by an [insurance company] (e.g. [insurance company whore]) to second guess a patient's claim. Insurance companies use the term independent to deceive the general public. The examinaitons are not "independent" per se because if a whore fails to deliver the expected goods, the whore gets no more [insurance company] work. Another cost savings mechanism for an insurer to make million and billions in profits. FIGHT YOUR INSURNACE COMPANY.
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