In this Friday, Jan. 24, 2020 photo, Dr. Mitchell Supler, right, has a discussion with Susan and Mike McNally at the Masson Spine Institute in Ocoee, Fla. The McNallys first used a UnitedHealthcare navigator when Mike was preparing for shoulder surgery a few years ago. Navigator Kimberly Eklond intervened. She contacted the hospital and told the Florida couple they didn’t have to pay anything early and could actually make no-interest payments after the procedure. (AP Photo/John Raoux)
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