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We can cut private health insurance costs by fixing how we pay for hip replacements and other implants

imagePatients often have little say about the prostheses they're implanted with.Shutterstock

As we age, we’re more likely to need a prosthesis to help us function like we used to. It may be a hip or knee prosthesis to replace a worn-out joint, a new lens after a cataract has been removed, or a pacemaker or cardiac stent after a heart attack.

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