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Generous insurance benefits and lump sum payments with few restrictions on out-of-network providers are a real problem that needs to be addressed by health insurers and legislators, the current system makes it way too easy for fraud to be committed and lives to be destroyed. The issue regarding how insurers use contract provisions to prohibit Assignment of Benefits is under review. Our goal is to establish guidelines that will protect the consumer while allowing insurers the ability to control health care costs. Our concern is provisions like these can be exploited and we are researching ways to address this issue.