I think the correct answer would be second opinions. Insurance companies would recommend their members to go for second opinions so as to make sure the operation is worth it for them to spend less and wisely. Hope this answers the question.
i dont care but i so it does not float away oh by the way jk about the i dont care hahahahahahahhahaha its so i have 20 words whaen i finsh typing so dont hate me sorry :) lol