title: Insurers promote second opinion; offer discount.
mesh_terms: D006264:Health Benefit Plans, Employee / Q000191:economics*; D006801:Humans; D007348:Insurance, Health / Q000191:economics*; D007359:Insurance, Surgical / Q000191:economics*; D012017:Referral and Consultation; D013514:Surgical Procedures, Operative / Q000191:economics; D014481:United States