Leslie S McMillan

Bringing Clarity to Confusion

ABOUT US


At LSM Insurance Associates, we are committed to providing quality insurance services for all your needs. LSM Insurance Associates was started in 2006 to help individuals & employers understand the differences in benefit plans. With LSM Insurance Associates, we make it easy.  Using technology and common sense, Leslie S. McMillan will meet with you, explain insurance terms, provide you with various options and then let you decide what works best for your business, employees, budget and family. Whether you need life, health, disability, or cancer protection our goal is to find product options that meets your personal needs and your budget. Along the way we take the time to help you understand explain the good, the bad and the FINE PRINT so you can make an informed decision. LSM Insurance Associates is a full service independent benefits insurance agency, located in Rolesville, NC.   We have access to nationally recognized A+ life, long term care, health, dental & disability insurance carriers to meet your business or personal needs.
ABOUT US

Products we offer


We offer health and life insurance benefits for every budget

Life Insurance

As a broker, we have access to a variety of carrier options. We educate you to the various types of insurance and assist you in evaluating your total needs. Whether your looking for term insurance for a set period of time, or permanent insurance that will last your entire life or just enough insurance to meet final needs, we've got you covered.

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Health Insurance

Finding Health Insurance today is not simple. We are experts at helping you get through all the complexities to find a plan that works for you. Leslie S. McMillan is a member of the Elite Circle of Brokers for Healthcare.gov and is able to provide you with a variety of options. Most important, she takes the time to understand your SPECIFIC needs and design options that are right for you and your family.

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Medicare

LSM Insurance Associates is certified to offer Medicare Supplement Insurance plans, Medicare Advantage and Medicare Prescription Drug Plans to residents of North Carolina. Picking a plan can be a daughting task and we help make the process easy to understand. We represent Aetna, Blue Cross Blue Shield of North Carolina (Med Supplement Insurance Plans and PDP Plans), Humana, Mutual of Omaha, and UnitedHealthcare. The Annual Open Enrollment for Medicare Advantage plans is 10/15/2018 - 12/7/2018. Please contact us if you would like to schedule an appointment.

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Personal Accident, Hospital Recovery, Critical Illness, Dental, Vision, Disability & Long Term Care

LSM Insurance Associates offers a variety of carrier options to meet the diverse benefit needs of individuals and families. You can check out plan options online or give us a call and tell us about your needs.

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Testimonials


Working hard to gain your trust and keep it

Contact Us


  • 401 Peaslake Court, Rolesville, NC 27571
  • Fax: 888-761-2057

Health Insurance Options


Health Insurance Options
Today, the purchase of buying individual health insurance is actually quite complicated. Through the Affordable Health Care Act, eligible individuals can obtain guaranteed issue coverage which means that there are no pre-existing condition exclusions. This means that once enrolled, a member is covered for any health issue as of the enrollment date.  

You can look up plans and see if you will qualify for a subsidy - GET AN ACA QUOTE  If you don't qualify for a subsidy,  I don't recommend you apply via Healthcare.gov.  Contact Me or call me at 919-271-6898 and we can discuss your options and get health plan pricing.

Enrollment Periods
  • During the Annual Open Enrollment (AOE) - November 1st, 2018 - December 15, 2018 for a coverage start date of January 1st, 2019 as long as you have paid your January premium. 
  • Special Enrollment Events - You can only purchase coverage outside of the AOE if you have a special qualifying event.  These include group health insurance coverage, getting married, getting divorces, having a baby, having a family member pass away or move in or out of the area.
Federal Subsidies 
  • Federal subsidies to reduce a subscribers monthly premium are available.  Subsidies are based on annual modified income and the number of individuals included on your tax return even if everyone in your family does not enroll.
  • Individuals that have access to group health insurance are generally not eligible for subsidies
  • Married Individuals must file jointly to receive a subsidy.
  • You will be required to pay the subsidy back through the IRS if your annual income changes from you what stated when you enrolled. 
  • To obtain a subsidy, you must apply through Exchange - Healthcare.gov. We can help you apply on Healthcare.gov.
ACA Health Insurance Carriers in North Carolina.
  • Blue Cross Blue Shield of North Carolina offers PPO plan options on and off the Exchange. Please contact me have questions or would like a quote.
    • The Blue Value PPO with UNC Health Alliance providers is available in the Wake County/Durham areas. Other BCBSNC plans are available based on your residental zipcode.
    • NOTE: As of 1/1/2019, The Blue Local Health Plans which include Duke and Wake Med will not be offered. All current enrolled members must switch to another plan or insurance carrier.
  • Cigna offers various plan options on the Exchange
  • NEW IN 2019, Ambetter Healthcare will be offered on the Exchange in specific geographic areas. Enrollment in this plan will start 11/1/2018 for a 1/1/2019 effective date. Members will have access to Duke and Wake Med providers. 
Alternative Options





HEALTH SAVINGS ACCOUNTS (HSA)


HEALTH SAVINGS ACCOUNTS (HSA)
Considering a High Deductible Health Plan?

You want to have health coverage for your family, but you looking to control your monthly premiums because you and your family never gets sick.  When reviewing your Affordable Healthcare health plan options, the Bronze High Deductible Health plan (HDHP) could make sense.  Please be aware that this means that should you or your family have a major health episode you could be responsible for thousands of dollars BEFORE the ACA health insurance carriers pays anything.  CHECK OUT OUR PERSONAL ACCIDENT POLICY.  IT CAN HELP YOU PAY YOUR DEDUCTIBLE AND OUT OF POCKET EXPENSES SHOULD YOU HAVE A QUALIFIED ACCIDENT.

With a High Deductible Health Plan, you can set up a Health Savings Account (HSA) to set aside funds to pay for many of the medical expenses that can arise should you get sick or have an accident.  By setting up a specific HSA plan, you can reduce your tax liability for the current year as every dollar you contribute to an HSA reduces your gross earnings for the year.  If you don’t need to spend these funds for medical claims during the year, the HSA grows similar to an IRA.  You can use these funds for over 5000 eligible medical expenses including medical, dental, prescription drugs, etc.  Over the counter medications are not eligible.  There are penalties if you decide to take the funds out for not qualified expenses.

We recommend that once you buy a HDHP, you immediate set up an Health Savings Account, EVEN if you are not going to fund it.   By having the HSA in place BEFORE you have any major medical bills, you can still run your medical bills through the HSA account and save on your taxes.  Everything you contribute to the HSA, comes right off your income as a deduction in the year that you deposit it.  Confused, call Leslie and she'll explain it.    

Health Savings Plan Limits for 2019
To open or contribute to an Health Savings Account (HSA), individuals must have coverage under an HSA-eligible HIGH Deductible Health Plan (HDHP). HDHP qualification guidelines change every year according to deductible and maximum out-of-pocket limits. According to IRS guidelines, health policies must reflect the following features to qualify as an HDHP in 2019.

2019 Health Savings Account Guidelines

Self-only
Family
HDHP Minimum Deductible

$1,350
$2,700
HDHP Maximum Out-Of-Pocket Amount

$6,700
$13,500
It’s important to remember that not all HDHP's are HSA eligible. Besides meeting these deductible and out-of-pocket requirements, a policy must not offer any benefit beyond preventive care before meeting the annual deductible.
2019 HSA Contribution Limit

$3,500
$7,000
2019 Catch Up Provision for Individuals 55+


$1,000

When setting up an HSA - We recommend Health Equity.  We are not compensated by this company.  They will help you manage your HSA account and they can answer your questions 24/7. Their administration fees are very reasonable. Check them out.


Medicare Options


Medicare Options
Whether your new to Medicare or covered for years, it's important to evaluate your options. Medicare has a number of moving parts and you may need someone aside of a customer service representative to talk to.  If you want to learn about Medicare, we recommend you reach out to Leslie, at least three months before your 65th birthday. If you've been on a Medicare plan for a while, it makes sense to review your coverage every few years.  If you need assistance, Leslie S McMillan can help.  She is certified to offer North Carolina:

  • Medicare Supplement Insurance plans 
  • Medicare Advantage Plans;
  • Medicare Prescription Drug plans;
Representing a number of North Carolina Medicare Insurance carriers means that we can help you make an informed decision.  We're happy to answer your questions and assist you with the enrollment process if you decide to make any changes. Check out what other people have to say about working with Leslie.  Call us directly at 919-271-6898 or email us.

Aliera Health Sharing Plans


Aliera Health Sharing Plans
Aliera Healthcare, Inc. in partnership with Trinity HealthShare, Inc. created the best of two medical care programs to provide healthcare solutions designed to reduce out-of-pocket expenses and improve individuals’ and families’ healthcare experiences. Aliera’s program in conjunction with a Health Care Sharing Ministry (HCSM) Hospitalization and Surgery plans which provides members with one of the most flexible and cost-savings programs in the market today. The goal of our model of care is to achieve an optimal level of wellness and improve care while providing cost-effective, non-duplicative services.  CONTACT US TO SEE IF THIS IS A GOOD OPTION FOR YOU AND YOUR FAMILY

Healthshare Membership -- Trinity HealthShare, Inc. is a Health Care Sharing Ministry (HCSM) which acts as an organizational clearing house to administer sharing of healthcare needs for qualifying members. The membership is based on a religious tradition of mutual aid, neighborly assistance, and burden sharing. The membership does not subsidize self-destructive behaviors and lifestyles, but is specifically tailored for individuals who maintain a healthy lifestyle, make responsible choices regarding health and care, and believe in helping others. The HCSM Healthshare membership is NOT health insurance.
 
To review plan options and apply 

Perspective enrollees must answer health screen questions when completing an application.  Individuals with certain illnesses or health concerns may be denied coverage.  These plans do place pre-exisiting condition limitations on  current ongoing health issues.

Telemedicine - Alieria Partner First Call offers board-certified family practitioners, pediatricians, and internists that can diagnose, treat, and write prescriptions when necessary and are available 24/7/365 from anywhere in the world. Providers can resolve most medical concerns over the phone or online through video consultation in the convenience of your home or when on the go. Telemedicine consultations help make healthcare affordable for any member.

Preventive and Primary Care services are considered to be the core of all Aliera plans and key to maintaining a healthy lifestyle. Aliera’s model of care is based on excellent service and a modern, innovative approach that truly is patient-centered. This includes medical care for members such as office visits, a variety of screenings, wellness guidance, basic eye and hearing exam.

Quest Labs - Aliera's Lab Partner - Most labs ordered by Primary Care Physicians (PCP) or Urgent Care facilities are included in the monthly membership. Labs required for covered benefits should be completed using Quest Labs in most areas.

Members must agree to the following Trinity HealthShare Statement of Beliefs to be approved for inclusion in an Trinity sharing plan:
1. We believe that our personal rights and liberties originate from God and are bestowed on us by God.
2. We believe every individual has a fundamental religious right to worship God in his or her own way.
3. We believe it is our moral and ethical obligation to assist our fellow man when they are in need, according to our available resources and opportunity.
4. We believe it is our spiritual duty to God and our ethical duty to others to maintain a healthy lifestyle and avoid foods, behaviors, or habits that produce sickness or disease to ourselves or others.
5. We believe it is our fundamental right of conscience to direct our own healthcare, in consultation with physicians, family, or other valued advisors.

The following legal notices are the result of discussions by Trinity HealthShare, Inc.or other healthcare sharing ministries with several state regulators and are part of an effort to ensure that Sharing Members understand that Trinity HealthShare, Inc. is not an insurance company and that it does not guarantee payment of medical costs. Aliera's  role is to enable self-pay patients to help fellow Americans through voluntary financial gifts.

GENERAL LEGAL NOTICE
This organization facilitates the sharing of medical expenses but is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy.  Sharing is available for all eligible claims; however, this program does not guarantee or promise that your medical bills will be paid or assigned to others for payment. Whether anyone chooses to pay your medical bills will be totally voluntary. As such, this program should never be considered as a substitute for an insurance policy. Whether you or your provider receive any payments for medical expenses and whether or not this program continues to operate, you are always liable for any unpaid bills. This health care sharing ministry is not regulated by the State Insurance Departments. You should review this organization’s guidelines carefully to be sure you
understand any limitations that may affect your personal medical and financial needs.

SHORT TERM MEDICAL OVERVIEW


SHORT TERM MEDICAL OVERVIEW
There is NO individual Health Insurance penalty in 2019! You don’t have to have health insurance but is that really a good idea. Here’s a great solution.
Looking for good health insurance that will PROTECT you in the event of something catastrophic? Coverage that will COVER you for the entire year of 2019? Want a plan with a national network of Doctors and hospitals that includes Duke and WakeMed? Want to work with someone who will carefully explain how this plan works compared healthcare options? If that’s you, contact me for Quotes!

History
As of October 2nd, 2018, Short Term Health Plans are an alternative to the Affordable Healthcare healthcare.gov plans or going without health insurance. These Short-Term Medical Plans are generally more affordable and will provide you with catastrophic coverage should a big medical claim occur. They do NOT cover preventative care and most medical care is subject to a deductible before the insurer will pay. You can purchase a plan that will cover you for 30 to 364 days. If you pay for the coverage in a single payment, some carriers will giving you a discount, These plans not compliant with the Affordable Health's definition of qualified coverage but that's no longer a concern since the Shared Responsibly penalty goes away as of 12/31/2018.

Is a Short Term Medical a good option for you and your family?
Many people tell me that they never go to the doctor and don't want to pay the premiums for the generous benefits offered by the Affordable Healthcare plans. If that's the case, then a Short-Term Medical Plan may be good fit for you.

The new Short Term Medical (STM) plans allows you to go to any doctor in the plan's affiliated national provider network. You do not need to obtain referrals to specialists and you can use any hospital that is considered in network with their provider network. You can elect to go out of network but if you use a doctor or hospital that doesn't participate with the provider network, that provider can bill you for the difference between what the insurer paid and their charges. (This is called balanced billing and cannot be done by an in network provider).

To enroll in a Short Term Medical plan, you must be able to say "no" to several health questions when you apply. If you have had cancer, a heart attack or have a chronic health issue, you won't want to enroll as these health concerns will NOT be covered. A member of your family can be turned down for coverage if you answer yes to any of the application health questions.

Short Term Medical plans offer a variety of deductibles and out of pocket maximums to choose from. Doctor visits, lab, xray and diagnostic testing are covered after the deductible. Some plans do include a few visits with a copay but that is not the norm. The larger the out of pocket maximum your willing to shoulder, the lower the monthly premiums. Be careful because the out of pocket maximum generally has a family maximum of two or three times the individual out of pocket maximum.

You need to know that a STM plan is designed to protect you from catastrophic medical claims. If you like going to the doctor and getting your prescriptions for a copay, then a STM plan is probably not a good fit for you. These STM plans have a twelve month per-existing condition limitation which means that you will not be covered for any medical condition that you sought care for in the twelve months prior to your enrollment date. If you regularly see an allergist on a monthly basis the plan will not cover allergy visits for the first twelve months of your policy.

The good news is that as of 10/2/2018, these plans are now available for as little as 30 days or as long as 364 days of coverage. If you buy a plan on January 2nd, and select coverage for 364 days, any health care that you receive during this period of time will be subject to one deductible and out of pocket maximum. The plan will remain in place until 12/31/2019. Please note that when your coverage expires, each member of your family must answer health questions again and any health concerns you were treated for in 2019 will not be eligible for reimbursement as it is now considered a preexisting condition for 2020.

Another important consideration is that In and Outpatient Mental Health, Maternity, Chiropractic care and Outpatient prescriptions are not covered. Most do offer a discount card for prescriptions.

WE OFFER SEVERAL SHORT-TERM MEDICAL PLAN OPTIONS. You can contact us for quotes or you can go to our quoting portal to check out rates and apply. Coverage can start the day after you apply and are approved! I do recommend that you reach out to me before you enroll.

CHECK OUT PLAN OPTIONS AND MONTHLY PREMIUMS

  • NATIONAL GENERAL - Uses the Aetna Open Access Provider Network
  • UNITED HEALTHCARE - Uses the United Healthcare Choice Network
  • THE IHC GROUP - Uses the Multi-plan Provider Newtwork
This is not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don't have Minimum Essential Coverage, you may owe an additional payment with your taxes. Note: this penalty goes away as of 12/31/2018.

SHORT TERM MEDICAL OPTIONS


NATIONAL GENERAL SHORT TERM MEDICAL PLANS

National General offers a variety of plans starting at around $50 a month! You pick a deductible and out of pocket maximum that fits your budget. You can purchase a plan that will cover you for 30 to 364 days. If you pay for the coverage in a single payment, you will get a price discount. As always, please read the contract carefully. This plan does not cover preexisting conditions, etc.

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United Healthcare Short Term Medical Plans

You know the United Healthcare name. The company is the fifth largest company in the US. Now you can use a national network of providers to obtain short term health insurance that can last up to 365 days! As always, please read the contract carefully. This plan does not cover pre-existing conditions, etc.

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IHC Group Short Term Medical Plans

A short-term medical insurance plan protects you without all the bells and whistles of an ACA plan. IHC offers a number of Short-Term Medical plans to meet your needs. Underwritten by Independence American Insurance Company, (IAIC), a member of the IHC Group. For more information about IAIC and the IHC Group, visit www.ihcgroup.com.. This product is administered by The Loomis Company. As always, please read the contract carefully. This plan does not cover pre-existing conditions, etc.

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ACCIDENT/HOSPITAL RECOVERY & CRITICAL ILLNESS


PERSONAL ACCIDENT INSURANCE

Did you know that every year, • More than 3.5 million kids under age 14 receive medical treatment for sports injuries.(1) That children ages 5 to 14 account for nearly 40 percent of all sports-related injuries treated in hospitals.(2) When you have a health plan with a high deductible , that can seriously impact your budget!

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HOSPITAL RECOVERY INSURANCE

Need to go into the hospital for surgery? A Hospital Recovery Insurance plan from LifeSecure Insurance Company can help provide cash benefits regardless of any other insurance you have. By pairing it with your medical plan, you can extend your protection to help with those unexpected costs so you can focus on your recovery.

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CRITICAL ILLNESS INSURANCE

A major health event like a heart attack or cancer can quickly throw an average family into a financial crisis. While health insurance will help cover medical expenses, you may not be prepared for other financial setbacks that can occur when you’re diagnosed with a critical illness. Cash benefits from a Critical Illness insurance plan can help pay the expenses traditional health insurance doesn’t cover, enabling you to focus on recovery.

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Life Insurance


Life Insurance
As of 2016, there were 5,977 insurance companies in the United States (including territories)!

Without an Advocate, How Do You Pick the RIGHT Life Insurance Product?

When surfing the web, many people end up doing nothing because there is so much information! Many websites will provide you with great rates without a clue to your health history. Without knowing your specific health history and or needs these quotes mean nothing!

Knowledge is power but if you get so confused evaluating the carriers, the plan options and how the life insurance process works, you may just get frustrated and end up without doing anything.

Don't wait and wish you did something. Let us use our 30+ years of expertise to help you make your life insurance decisions easier!   We work with many of the largest life insurers in the country.  Due to our affiliation with Pinnacle Insurance and Financial Services, we have proprietary products that other brokers can not access.

We offer all the various insurance product options including:

  • TERM INSURANCE - LOCK IN RATES FOR A SPECIFIC PERIOD OF TIME  - 10/15/20/25/30/35 years
  • WHOLE LIFE INSURANCE - BUY A POLICY WITH RATES THAT ARE GUARANTEED NEVER TO CHANGE AND WILL LAST YOUR ENTIRE LIFE EVEN IF YOU LIVE OVER 100. 
    •  IF YOU'VE BEEN TURNED DOWN BY OTHER INSURERS, WE CAN GET YOU COVERAGE.
  • UNIVERSAL LIFE POLICIES - THESE ARE HYBRID PLANS USING THE BEST FEATURES OF TERM/WHOLE LIFE.  THEY OFFER FLEXIBILITY IN DESIGN AND CAN BE USED TO HELP YOU SAVE FOR RETIREMENT, PAY FOR COLLEGE, AND ARE MORE AFFORDABLE THAN WHOLE LIFE IF YOU HAVEN'T PURCHASED COVERAGE BEFORE AGE 40.

We would love to help you understand your options and review your coverage.  Contact us for an appointment.

DENTAL INSURANCE OVERVIEW


DENTAL INSURANCE OVERVIEW
Dental Insurance is something that can help take the "BITE" out of expensive dental procedures you may not be expecting. Having a dental plan also will increase your getting regular dental checkups which are documented as improving overall health. We offer several great plans designed to work with your lifestyle and budget.

Traditional dental plans pay 100% of preventative care once you purchase a plan but will have a waiting period for basic and major dental care. If you’re currently in pain, consider a discount dental plan that has no waiting periods or pre-existing condition limitations. A visit to the dentist can be expensive. Protect your pocketbook and your oral health with a dental plan that can offset unexpected dental expenses. Some procedures can get pricey, so knowing up front exactly what you will pay gives you peace of mind. Not going to the dentist to avoid expensive dental bills can put you at risk for anything from cavities to gum disease.We offer a variety of dental plan options designed to meet your budget. Whether you are looking for a traditional dental plan similar to what an employer would offer or just a plan to help reduce the cost we've got you covered. Check out our options and contact us with questions or if you need help. Some of our plans cover preventive work such as routine cleanings and x-rays, as well as major services such as crowns and root canals while other offer you discounts to local dental providers. Dental insurance is a valuable benefit as having coverage makes you more likely to visit the dentist, who can also identify warning signs for health conditions such as cardiovascular disease, endocarditis and diabetes.

We offer several different dental plan options geared for your specific needs. Whether you are looking for a dental plan that looks like an employer dental plan or a discount plan you will find a plan that meets your needs.

TO CHECK OUT OUR DENTAL PLAN OPTIONS - CLICK HERE

DENTAL INSURANCE OPTIONS


Spirit Dental Plans

Many individuals contact us when they are experiencing dental problems and a traditional dental plan won’t cover cavities or root canals without a waiting period. If you’re in pain, consider a SPIRIT discount dental plan that has NO waiting periods or pre-existing condition limitations. These plans even cover implants! Spirit Dental has Preferred Provider Network plans using Ameritas providers as well as Open Access options, The plans offer THREE dental cleanings per year and for just a few dollars more you can add vision. Rates on both the dental and vision are very competitive. Get to know your Sales Team:

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Delta Dental

Individual Dental Plan Options with the largest dental network in the US

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Blue Cross Blue Shield of North Carolina

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Humana Dental Plans

HumanaOne offers a variety of discount and traditional plan designs for every budget. Call us to review them in detail or go on line and enroll today

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VISION INSURANCE OPTIONS


SPIRIT VISION PLANS

Choose between four different plans. SPIRIT VISION works with Ameritas to offer EyeMed and Vision Service Plan (VSP) vision provider networks. Plan A offers eye exams every 12 months. Plan B offers eye exams every 24 months. Choose the network and plan that's right for you and your family. You can also add a dental plan

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HUMANAONE VISION PLANS

Humana offers a vision plan that includes great benefits for an affordable price through EyeMed

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VSP INDIVIDUAL VISION PLANS

Get an individual vision plan from the nation's #One vision insurance provider. Save hundreds on your eye care expenses with Individual Vision Plans from VSP® TWO GREAT PLANS TO CHOOSE FROM!

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