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Marty Traynor is vice president of voluntary benefits at Mutual of Omaha.

I recently came across an article in the New York Times by Margot Sanger-Katz headlined “Getting Sick Can Be Really Expensive, Even for the Insured.” It opens with this sentence: “When you get really sick, the medical bills may not be your biggest financial shock.”

"A helpful image is the client leaning out of train window while it gathers pace, as you run alongside. Get out the key nuggets first and in order of importance. The rest is waffle that the client doesn t want to hear, read or pay for."

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