The "No Surprise Billing" Act: Why This Isn't JUST For Hospitals
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The “No Surprise Billing” Act: Why This Isn’t JUST For Hospitals February 24, 2023 0 The Problem • Patient goes to an in-network hospital for a surgery by an in-network surgeon. Unbeknownst to the patient, the anesthesiologist is out of network. • The anesthesiologist bills more than the plan allows, leaving the patient on the hook. 1 © 2023 Fredrikson & Byron, P.A. 1 © 2020 MedLearn Media, Inc. 1
The Solution • The No Surprises Act, Public Law 116- 260, passed December 27, 2020. • A variety of state laws. • Like HIPAA, more restrictive state laws generally control. 2 © 2023 Fredrikson & Byron, P.A. 2 The Regulatory Framework • Requirements Related to Surprise Billing; Part I, 86 Fed. Reg. 36872 (July 13, 2021). • Requirements Related to Surprise Billing; Part II, 86 FR 55980 (October 7, 2021). 3 © 2023 Fredrikson & Byron, P.A. 3 © 2020 MedLearn Media, Inc. 2
4 © 2023 Fredrikson & Byron, P.A. 4 Lingo GFE: Good Faith Estimate IDR: Independent Dispute Resolution. NSA: No Surprises Act. OON: Out-of-Network. Provider: They mean physician. QPA: Qualified Payment Amount. 5 © 2023 Fredrikson & Byron, P.A. 5 © 2020 MedLearn Media, Inc. 3
Overview: Two Rules In One? • Portions apply only to services provided in air ambulances, hospitals (including CAH) ambulatory surgical centers, or freestanding emergency rooms. The rule calls them “facilities.” • Applies to both the facility’s bill and the bills by medical professionals for services to patients at the facility. • This portion generally does NOT apply to services at a SNF or free-standing clinic.* 6 © 2023 Fredrikson & Byron, P.A. 6 Overview: Two Rules In One? • Professionals/organizations that take patients to hospitals or ASCs have a notice requirement. • The second part of the rule requires a “Good Faith Estimates” of charges. While it also applies to “Facilities” the term is defined differently for this provision. 7 © 2023 Fredrikson & Byron, P.A. 7 © 2020 MedLearn Media, Inc. 4
Key Definition: “Facilities” That Must Provide a GFE • Facility: Health care facility (facility) means an institution (such as a hospital or hospital outpatient department, critical access hospital, ambulatory surgical center, rural health center, federally qualified health center, laboratory, or imaging center) in any State in which State or applicable local law provides for the licensing of such an institution, that is licensed as such an institution pursuant to such law or is approved by the agency of such State or locality responsible for licensing such institution as meeting the standards established for such licensing. 8 © 2023 Fredrikson & Byron, P.A. 8 Overview • Some provisions apply to health plans, others apply to “facilities” and professionals. • Unfortunately, the law uses the term “provider” to refer to “professionals.” 9 © 2023 Fredrikson & Byron, P.A. 9 © 2020 MedLearn Media, Inc. 5
10 10 Overview • Emergency Services: applies to services at out-of-network hospitals and the professionals providing services there. • Non-emergency Services: applies to services by professionals at a participating hospital/ASC. 11 © 2023 Fredrikson & Byron, P.A. 11 © 2020 MedLearn Media, Inc. 6
Leap of Faith • Health plans are required to do many calculations. • Professionals and facilities are largely at their mercy. 12 © 2023 Fredrikson & Byron, P.A. 12 Emergency Services • For EMTALA services, the patient should be treated as if in-network. Co-pays/deductibles are the same as if it was an in-network service. • Co-pay calculated at the lower of median rate/ billed charge. • Plans can’t use diagnosis code to determine coverage. 13 © 2023 Fredrikson & Byron, P.A. 13 © 2020 MedLearn Media, Inc. 7
Emergency Services • The “emergency” continues post- stabilization until the patient can reasonably transfer considering distance, patient’s condition, etc. • The treating physician is the sole arbiter of when/how far the patient may go/when “emergency” ends. 14 © 2023 Fredrikson & Byron, P.A. 14 Emergency Services • Limited impact on plan payment to facility/professional. – If there is a state All-Payer Model agreement, it controls. (MD/VT.) – If state law, it controls. – Otherwise, parties negotiate. Absent agreement, use dispute resolution. • Plan must make “initial” payment on clean claim within 30 days. 15 © 2023 Fredrikson & Byron, P.A. 15 © 2020 MedLearn Media, Inc. 8
Non-Emergency Services • For some non-emergency services, the facility/professional can condition treatment on the patient agreeing to permit balance billing. • Patient consent is required. • There is a HUGE exception. Can’t seek consent for “ancillary services.” 16 © 2023 Fredrikson & Byron, P.A. 16 “Ancillary Services” • Items and services “related to” emergency medicine, anesthesiology, pathology, radiology and neonatology. (Mentions physicians and non-physician practitioners) • Items and services “provided by” assistants at surgery, hospitalists and intensivists. • “Diagnostic services” such as radiology and laboratory. • Any item or service provided by a non-participating professional if there is no participating professional who could provide the service. 17 © 2023 Fredrikson & Byron, P.A. 17 © 2020 MedLearn Media, Inc. 9
Independent Dispute Resolution (IDR) • Determines payment rate for items and services when the facility or professional and plan can’t agree. • Baseball-arbitration. • Presumption that QPA is the appropriate amount. (The focus of NSA litigation.) 18 © 2023 Fredrikson & Byron, P.A. 18 Ongoing Litigation • Texas Medical Ass’n, et al. v United States Department of Health and Human Services, et al. – Struck portions of regulations implementing the QPA as the default outcome of the arbitration process – Did not impact any other rulemaking 19 © 2023 Fredrikson & Byron, P.A. 19 © 2020 MedLearn Media, Inc. 10
IDR Action Timeline Initiate open negotiation period (one party) 30 business days, starting on the day of initial payment or notice of denial of payment Initiate IDR process (either party) 4 business days, starting the business day after the open negotiation period ends Mutually pick IDR entity 3 business days after the independent dispute resolution *NOTE: Departments select certified independent dispute initiation date resolution entity in the case of no conflict-free selection by parties Submit payment offers and additional information to certified 10 business days after the date of certified independent dispute independent dispute resolution entity resolution entity selection Payment determination made 30 business days after the date of certified independent dispute resolution entity selection Payment submitted to the applicable party 30 business days after the payment determination 20 20 21 © 2023 Fredrikson & Byron, P.A. 21 © 2020 MedLearn Media, Inc. 11
Four Patient-facing “Forms” Standard Disclosure “Universal” Good Faith Estimate • 42 CFR § 149.430 • 42 CFR § 149.610 • Model form (CMS Form No. 10780) • Model form (CMS Form No. 10791) Standard Notice & Consent Standard Notice & Consent OON Non-Emergency Services OON Post Stabilization Emergency • 42 CFR § 149.20 Services • 42 CFR § 149.10 • Mandatory form (CMS Form No. 10780) • Mandatory form (CMS Form No. 10780) 22 © 2023 Fredrikson & Byron, P.A. 22 Four Patient-facing “Forms” Standard Disclosure “Universal” Good Faith Estimate • 42 CFR § 149.430 • 42 CFR § 149.610 • Model form (CMS Form No. 10780) • Model form (CMS Form No. 10791) Standard Notice & Consent Standard Notice & Consent OON Non-Emergency Services OON Post Stabilization Emergency • 42 CFR § 149.20 Services • 42 CFR § 149.10 • Mandatory form (CMS Form No. 10780) • Mandatory form (CMS Form No. 10780) 23 © 2023 Fredrikson & Byron, P.A. 23 © 2020 MedLearn Media, Inc. 12
24 © 2023 Fredrikson & Byron, P.A. 24 25 © 2023 Fredrikson & Byron, P.A. 25 © 2020 MedLearn Media, Inc. 13
Model Disclosure: CMS Form No. 10780 Hospitals, ASCs, Freestanding EDs and “physician or health care providers” must: • Post on website. • Have a sign posted prominently at the location of facility or provider. • 2 sided, 12-point font form provided to insured patients. 26 © 2023 Fredrikson & Byron, P.A. 26 Must SNFs Post The Sign? • Not a “facility” for this part of the rule. • A “physician or health care provider” is a “physician or other health care provider who is acting within the scope of practice of that provider’s ciense or certification under applicable State law, but does not include a provider of air ambulance services.” • “Physician or health care provider” would seem to be people. But why the underlined phrase? 27 © 2023 Fredrikson & Byron, P.A. 27 © 2020 MedLearn Media, Inc. 14
How Many Signs Do We Need? • 149.430: 28 © 2023 Fredrikson & Byron, P.A. 28 Do We Have To Give The Notice Every Visit? Annually? • 149.430 requires you to “provide to any individual” a copy of the notice. • Can notice ever be “unprovided?” 29 © 2023 Fredrikson & Byron, P.A. 29 © 2020 MedLearn Media, Inc. 15
30 © 2023 Fredrikson & Byron, P.A. 30 No. 2 – Universal Good Faith Estimate • This is UNIVERSAL! Applies broadly to licensed health care entities. 31 © 2023 Fredrikson & Byron, P.A. 31 © 2020 MedLearn Media, Inc. 16
“Facilities” That Must Provide a GFE: • Facility: Health care facility (facility) means an institution (such as a hospital or hospital outpatient department, critical access hospital, ambulatory surgical center, rural health center, federally qualified health center, laboratory, or imaging center) in any State in which State or applicable local law provides for the licensing of such an institution, that is licensed as such an institution pursuant to such law or is approved by the agency of such State or locality responsible for licensing such institution as meeting the standards established for such licensing. 32 © 2023 Fredrikson & Byron, P.A. 32 No. 2 – Universal Good Faith Estimate • This is UNIVERSAL! Applies broadly to licensed health care entities. • Must provide in “clear and understandable language” the “good faith estimate” of the “expect charges for providing scheduled services and items.” • CMS Form No. 10791 – Appendix 1: Right to Receive a Good Faith Estimate of Expected Charges Notice. – Appendix 2: Good Faith Estimate Template. – Appendix 11: Good Faith Estimate Data Elements. 33 © 2023 Fredrikson & Byron, P.A. 33 © 2020 MedLearn Media, Inc. 17
Who Gets the Estimate? January 1, 2022 Future If patient is insured, the estimate will If patient is not using insurance, the go to the insurance company to inform the advanced EOB that the estimate goes to the patient. company must provide the insured patient. 34 © 2023 Fredrikson & Byron, P.A. 34 Who Gives the Estimate? Eventually one estimate generated cooperatively by all responsible parties: • “Convening health care provider” or “convening health care facility”: Whoever schedules. • “Co-health care provider” or “co-health care facility”: Everyone else. • The 1/1/23 date has been indefinitely delayed. 35 © 2023 Fredrikson & Byron, P.A. 35 © 2020 MedLearn Media, Inc. 18
Who Is The Convenor? • The “convening” professional or facility is the party that receives the initial estimate request and who is or, in the case of a request, would be responsible for scheduling the primary item or service. • 42 CFR 149.610(a)(2)(ii) 36 © 2023 Fredrikson & Byron, P.A. 36 37 © 2020 MedLearn Media, Inc. 19
Who Is The Convenor? • The “convening” professional or facility is the party that receives the initial estimate request and who is or, in the case of a request, would be responsible for scheduling the primary item or service. • 42 CFR 149.610(a)(2)(ii) 38 © 2023 Fredrikson & Byron, P.A. 38 Responsibilities of Convening Professional or Facility • Make information about the availability of requesting an estimate readily available online and in accessible formats, including language of patient. • “Do you plan to use insurance to pay for the visit?” • If not, inform them orally and in writing of the availability of a good faith estimate of expected charges. • Provide an estimate if patient requests appointment, asks for estimate, or inquires about costs. • If there is a co-professional or co-facility, contact within one business day of scheduling the appointment OR a request for an estimate. 39 © 2023 Fredrikson & Byron, P.A. 39 © 2020 MedLearn Media, Inc. 20
Co-professional or Co-facility (Not Enforced Yet) • Provide good faith estimate to convening professional/facility no later than one business day after request received from convening professional/facility. • Estimate must include: – Patient name and date of birth. – Itemized list of items or services expected to be provided by the co-provider or co-facility that are reasonably expected to be furnished in conjunction with the primary item or service as part of the period of care. – Applicable diagnosis codes, expected service codes, and expected charges associated with each listed item or service. – Name, National Provider Identifiers, and Tax Identification Numbers of the co-provider or co- facility, and the State(s) and office or facility location(s) where the items or services are expected to be furnished by the co-professional or co-facility. – A disclaimer that the good faith estimate is not a contract and does not require the uninsured (or self-pay) individual to obtain the items or services from any of the co-professional or co- facilities identified in the good faith estimate. 40 © 2023 Fredrikson & Byron, P.A. 40 What Does the Patient’s Good Faith Estimate Need to Include? Highlights: • Patient’s name, DOB, NPI, Tax ID. • Diagnosis codes (ICD). • Expected service codes (CPT, HCPCS, DRG, NDC). • “Expected charges” associated with each listed item or service. “Expected charge” means, for an item or service, “the cash pay rate or rate established by a provider or facility for an uninsured (or self-pay) individual, reflecting any discounts for such individuals, where the good faith estimate is being provided to an uninsured (or self-pay) individual; or the amount the provider or facility would expect to charge if the provider or facility intended to bill a plan or issuer directly for such item or service when the good faith estimate is being furnished to a plan or issuer.” 41 © 2023 Fredrikson & Byron, P.A. 41 © 2020 MedLearn Media, Inc. 21
Can I Share Price Information With Others? • Some fear of sharing pricing data is overblown. Agreement on price is illegal. Knowledge is not. • Here the law requires it. • How much protection does that provide? 42 © 2023 Fredrikson & Byron, P.A. 42 When Is the Estimate Required? • Estimate is required if appointment is scheduled for 3 or more business days in advance: ‒ When the appointment is scheduled 3-9 business days out, the notice must be provided within 1 business day of the date the appointment was scheduled. ‒ If scheduled for 10 or more business days out, the estimate must be provided within 3 business days of the date the appointment was scheduled. • Patient can also request an estimate without scheduling an appointment, in which case the estimate must be provided within 3 business days. 43 © 2023 Fredrikson & Byron, P.A. 43 © 2020 MedLearn Media, Inc. 22
How Do We Count Business Days? • The government counts the day of the call: – Call Friday, estimate needed for visits Wednesday or later. • Is that right? We shall see. • Note it is NOT hours. 44 © 2023 Fredrikson & Byron, P.A. 44 What If the Estimate Changes? • Provide the uninsured (self-pay) patient a new estimate no later than one business day before the appointment. • If change occurs less than one business day before appointment is scheduled, the replacement professional or facility must use the good faith estimate of expected charges. 45 © 2023 Fredrikson & Byron, P.A. 45 © 2020 MedLearn Media, Inc. 23
Patient-Provider Dispute Resolution • Patient can use this process IF ALL 5 conditions are met: – They’re uninsured or self-pay – They scheduled and received the medical items or services on or after January 1, 2022 – They have a good faith estimate from your provider or the facility who provided your care – They got a bill within the last 120 calendar days – The difference between the good faith estimate and the bill is at least $400 46 © 2023 Fredrikson & Byron, P.A. 46 How is the $400 Calculated? • It is the total per “provider”. • The examples from the government don’t make it clear if each “professional” is a provider. • The examples don’t have one situation where an estimate is LOWER than the bill! 47 © 2023 Fredrikson & Byron, P.A. 47 © 2020 MedLearn Media, Inc. 24
48 © 2023 Fredrikson & Byron, P.A. 48 Important Notes • Estimates are considered part of medical record. • Meeting a similar state requirement does NOT meet federal requirement. • Reminder: Future rulemaking for insured patients. 49 © 2023 Fredrikson & Byron, P.A. 49 © 2020 MedLearn Media, Inc. 25
No. 3 – Standard Notice & Consent • OON professionals at in-network facilities cannot balance bill for non-emergency services unless: – They obtain the “Standard Notice & Consent”, AND – The service is more than 3 hours out, AND – The services are NOT ancillary services. 50 © 2023 Fredrikson & Byron, P.A. 50 When Can Balancing Billing Protections Be Waived? • Non-emergency care. • Non-ancillary services. • Not prohibited by state law. • In network care is available. • Timing: – If appointment is scheduled at least 72 hours or more out, provide Notice & Consent at least 72 hours before the appointment. – If appointment is scheduled within the next 72 hours, provide Notice & Consent the same day appointment is made and at least 3 hours prior to rendering the services or items. – If treatment will occur within 3 hours, patient cannot consent to be balance billed. 51 © 2023 Fredrikson & Byron, P.A. 51 © 2020 MedLearn Media, Inc. 26
What Must the Standard Notice & Consent Include? HHS has created a MANDATORY document (CMS Form No. CMS-10780). – 4 pages: • Page 1 – Notice • Pages 2 & 4 – Estimate of services • Page 3 – Consent – It CANNOT be modified (except filling in bracketed sections). – It CANNOT be attached or incorporated with other documents. – Patient MUST be able to choose to receive electronically or in paper. – Make available in 15 languages most commonly used in region. – Must include date notice provided to patient and the date AND time patient signs. 52 © 2023 Fredrikson & Byron, P.A. 52 Pages 2 &4– Estimate 53 © 2023 Fredrikson & Byron, P.A. 53 © 2020 MedLearn Media, Inc. 27
How to Calculate Estimate? • Use definition of the “expected charge” that would apply when the good faith estimate is provided to a plan or issuer. • PROBLEM: We don’t have this guidance yet from HHS and the non-enforcement position does not extend to the requirement to provide a good faith estimate. ‒ HHS is seeking comment. 54 © 2023 Fredrikson & Byron, P.A. 54 Page 3 – Consent 55 © 2023 Fredrikson & Byron, P.A. © 2023 Fredrikson & Byron, P.A. 55 © 2020 MedLearn Media, Inc. 28
Steps to Provide Notice & Consent • Determine if you plan to balance bill. • If yes, determine if waiver of protections is allowed here. • Provide the notice & consent during applicable timing. • Mail or email copy of the signed written notice and consent to the patient (patient preference). • Must retain, or ensure someone else is, a copy of the consent & notice for at least 7-year period after date care provided. • Notify the plan or issuer that care was provided during a visit. 56 © 2023 Fredrikson & Byron, P.A. 56 No. 4 – Notice & Consent (Post Stabilization Emergency Care) • Generally, a nonparticipating emergency facility and nonparticipating professional cannot bill patients more than cost-sharing for emergency services. • BUT, may if 4 conditions are met. 57 © 2023 Fredrikson & Byron, P.A. 57 © 2020 MedLearn Media, Inc. 29
Condition #1 • Attending emergency physician or treating provider determines (taking into account the individual’s medical condition): – Patient can travel using nonmedical transportation or nonemergency medical transportation. – Available participating provider or facility located within a reasonable travel distance. 58 © 2023 Fredrikson & Byron, P.A. 58 Condition #2 • Meet OON notice and consent criteria for non- emergency services (42 CFR§149.420(c) through (g)). • PLUS – If a participating emergency facility and a nonparticipating professional, notice and consent must include list of any participating professionals at the facility able to provide the items and services involved and notification that the patient may be referred, at their option, to such a participating provider. – If a nonparticipating emergency facility, notice must include good faith estimated amount that the patient may be charged for items or services provided by the nonparticipating emergency facility or nonparticipating professionals with respect to the visit at such facility. 59 © 2023 Fredrikson & Byron, P.A. 59 © 2020 MedLearn Media, Inc. 30
Condition #3 • Attending emergency physician or treating provider, using appropriate medical judgment, determines patient can: ‒ Receive the notice & consent and – Provide informed consent. 60 © 2023 Fredrikson & Byron, P.A. 60 Condition #4 • Any additional requirements or prohibitions as may be imposed under state law. 61 © 2023 Fredrikson & Byron, P.A. 61 © 2020 MedLearn Media, Inc. 31
Steps to Provide OON Post Stabilization Emergency Care Services Notice & Consent • Determine if you plan to balance bill. • If yes, determine if waiver of protections is allowed here (can you meet the 4 conditions?). • Provide the notice & consent within timing requirements. • Mail or email copy of the signed written notice and consent to the patient (patient preference). • A participating health care facility (with respect to non-participating professional) must retain copy of the consent & notice for at least 7-year period after date care provided. IF the nonparticipating professional obtains the notice & consent (as opposed to the facility obtaining on behalf of the professional), the professional may either (1) coordinate with facility to retain it OR (2) the professional can retain it. • Notify the plan or issuer that care was provided during a visit. 62 © 2023 Fredrikson & Byron, P.A. 62 CMS Slideshow • https://www.cms.gov/files/document/a27 4577-1a-training-1-balancing- billingfinal508.pdf 63 © 2023 Fredrikson & Byron, P.A. 63 © 2020 MedLearn Media, Inc. 32
Knowledge Checking The Knowledge Check 64 © 2023 Fredrikson & Byron, P.A. 64 Knowledge Checking The Knowledge Check 65 © 2023 Fredrikson & Byron, P.A. 65 © 2020 MedLearn Media, Inc. 33
Do They Know What “Or” Means? • The attending emergency physician or treating provider determines that the participant, beneficiary, or enrollee is able to travel using nonmedical transportation or nonemergency medical transportation to an available participating provider or facility located within a reasonable travel distance, taking into account the individual's medical condition. The attending emergency physician's or treating provider's determination is binding on the facility for purposes of this requirement. • 42 CFR 149.410(b)(1) 66 © 2023 Fredrikson & Byron, P.A. 66 Bottom Line • 4 Patient facing “forms”: – Standard Disclosure. – Universal Good Faith Estimate Notice. – OON Non-emergency Services Notice & Consent. – OON Post Stabilization Emergency Care Notice & Consent. • Put processes in place: – Update website and physical space with Standard Disclosure. – When/how to provide Universal Good Faith Estimate. – When/how to provide OON Notices & Consents. – How to handle IDR open negotiation period. – How to handle patient-provider dispute resolution open negotiation period. 67 © 2023 Fredrikson & Byron, P.A. 67 © 2020 MedLearn Media, Inc. 34
Commonly Asked Questions 68 How to Issue a GFE When Charging a Flat Monthly or Annual Fee • Examples: Concierge services, direct primary care • Letter from American Academy of Family Physicians, dated December 3, 2021, requested HHS issue future regulations • Current advice: Technically required, consider issuing an annual GFE 69 © 2023 Fredrikson & Byron, P.A. 69 © 2020 MedLearn Media, Inc. 35
Must GFE Be Translated? • Unlike the Standard Notice and Consent, there is no specified number of languages. • If the patient contests a bill, and the notice wasn’t in their native tongue, regs suggest they didn’t receive notice. 70 © 2023 Fredrikson & Byron, P.A. 70 Should We Use The Model GFE? 71 © 2023 Fredrikson & Byron, P.A. 71 © 2020 MedLearn Media, Inc. 36
Does a SNF Need to Give A GFE? • Legal and practical answer may differ. • They are licensed. • Is the patient using insurance to pay? 72 © 2023 Fredrikson & Byron, P.A. 72 The Hospital is OON the Dr. In- Network. Does NSA Apply? • Is it an emergency service? • If not, then nope! 73 © 2023 Fredrikson & Byron, P.A. 73 © 2020 MedLearn Media, Inc. 37
Must We Give GFE to Medicare Pts. Getting A Physical? 74 © 2023 Fredrikson & Byron, P.A. 74 The Patient Doesn’t Want Their Birthdate on the GFE! • No provision explicitly permits the patient to decline. • This is a patient protection measure. Can the patient waive? 75 © 2023 Fredrikson & Byron, P.A. 75 © 2020 MedLearn Media, Inc. 38
How Long Must We Keep GFEs? • Must provide for 6 years. • Must consider it a part of the medical record. • 149.610(f) 76 © 2023 Fredrikson & Byron, P.A. 76 When Will the Rules Be Issued?! • GFE requirements for insured patients? • Penalties! Namely, what is the exact consequence of NOT issuing a GFE? • Maybe May 2022????* *Def.’s Reply Memo in Support of Their Cross-Motion For Summary Judgment, Texas Medical Association v. U.S. Department of Health and Human Services (Civil Action No. 6:21-cv-00425-JDK), filed February 2, 2022, https://affordablecareactlitigation.files.wordpress.com/2022/02/13362908-0-79761.pdf. 77 © 2023 Fredrikson & Byron, P.A. 77 © 2020 MedLearn Media, Inc. 39
RESOURCES DOL Website – https://www.dol.gov/agencies/ebsa/laws- and-regulations/laws/no-surprises-act CMS Website – https://www.cms.gov/nosurprises/Policies- and-Resources/Overview-of-rules-fact- sheets 78 © 2023 Fredrikson & Byron, P.A. 78 Questions? David Glaser Fredrikson & Byron, P.A. 612.492.7143 dglaser@fredlaw.com 79 © 2020 MedLearn Media, Inc. 40
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