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In this brief monologue, Paul H. Flowers Jr. recounts an HR director showing him a hospital bill that contained multiple clear errors—a never‑opened surgical tray, duplicate lab charges, and a room charge for a day the patient was already home. He explains that on fully insured plans these mistakes go unnoticed because the carrier pays the bill and then incorporates the excess cost into the employer’s renewal premiums, effectively raising future costs for the employer. Citing studies that suggest up to 80% of hospital bills contain errors that are rarely in the patient’s favor, Flowers argues that self‑funded employers can protect themselves by auditing every charge and refusing to pay erroneous items. He frames this practice not as paranoia but as prudent bill review before payment.

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