medical expense management 2025-11-23T10:32:04Z

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3 AM in the surgical ICU smells like sterilized panic - antiseptic, stale coffee, and the metallic tang of blood that clings to scrubs no matter how many times you wash. That’s when Mr. Henderson crashed. His post-op vitals spiraled: BP 70/40, heart galloping at 140. My intern brain short-circuited. Orthopedic rotation never covered this cascade - was it hemorrhage? PE? Adrenal crisis? My palms left damp streaks on the chart as nurses’ voices sharpened into scalpels: "Doctor’s call."

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Rain lashed against the train window as my phone buzzed with its third payment reminder that hour – electricity bill overdue, credit card deadline, and now the water utility flashing red. I fumbled through my app folder, thumb cramping from switching between banking portals. Each login demanded a different password I’d scribbled on a sticky note now dissolving in my sweaty palm. That’s when I remembered the blue icon I’d sidelined for weeks: Margadarshan. Skeptical but desperate, I tapped it as