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I worked for a company who went with a cut rate insurance provider one year who basically denied or screwed up every claim. This required calls, faxes and hours wasted any time anyone had a medical procedure. The kicker was that the insurance company hours were the same as our company hours so all of this had to happen during company time. They went with a proper provider the next year.
I only go to the mall for Dicks sporting goods or Apple which both have their own entrances. Have not walked inside the mall or any other stores in years.