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Like millions of Americans, I have been living with terrible back pain for years and finally hit the wall where I could not do it any longer. The thought of surgery, being laid up for weeks and the road to recovery were actually not all the worries that crossed my mind. One of the biggest worries - BILLS! Where would I come up with all the money needed to get me through?

And...like millions of Americans, I did not plan for the cost of the surgery and expect bill after bill. One bill was $3,000 an

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