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In the United States, the 2013 National Health Interview Survey found that skin disorders (42.7%), osteoarthritis and joint disorders (33.6%), back problems (23.9%), disorders of lipid metabolism (22.4%), and upper respiratory tract disease (22.1%, excluding asthma) were the most common reasons for accessing a physician.[10] Carrier Links Walmart and other companies including Boeing BA, +2.79% Lowe’s LOW, -0.65% General Motors GM, +1.57% Walt Disney DIS, -0.60% Amazon subsidiary Whole Foods and Intel INTC, -1.78% are increasingly contracting directly with health providers to over care for employees, in many cases at a flat rate. The approach, called direct contracting, represents a distinct break from the status quo, in which health services are mostly arranged by a health insurer on an employer’s behalf. American Income Life Insurance Company Corporate Social Responsibility With an HMO, you’re required to see dental providers in the insurance network. 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