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> Is this incorrect?

yep

because "life-saving" isn't a single well-defined boolean condition that can be determined by ER staff as part of triage

> I can't imagine a hospital waiting for an insurance company's approval to pay for a procedure to schedule a child's life saving surgery.

then I guess you've never dealt with major health issues like cancer, blood disease, etc. etc. because what you're describing here happens all the time



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