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In this case the health insurer had probably given the submitter money in return, but "had" to send one of these letters, marking the yellow form with X's for the recipient's benefit. Who hasn't written their own forms to do something like this? The dumb part is that the guy who printed the bills didn't tear that sheet off the top. The bill is probably settled automatically and the standard form is overwritten with X's to prevent the customer to accidentally use the form to make another payment. I've received forms that were several characters off. With perforations to facilitate tearing off.

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