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Read the fine print
It may be excruciating, but that paperwork discloses major risks to your business. Find out what the policy doesn't cover - the list grows longer each year. (Common exclusions are organ transplants, infertility treatments, addiction treatment and so-called lifestyle drugs like Viagra.)

And remember, not all insurers are alike. Get client references from any insurer you are considering, and be sure to ask the clients about their experiences getting claims paid.

NEXT: Minimize medical bills

LAST UPDATE: Jan 28 2009 | 9:54 AM ET
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