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What could be the consequences if Carl agrees to change the date so the insurance company will pay for the patients visit?
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Ans) It is fraud- (an act of) cheating somebody in order to get money, etc. illegally.

Fraud can also be a civil wrong, which means that victims can bring a civil lawsuit for money damages, to compensate them for the losses they suffered as a result of the fraud. Civil fraud does not carry the possibility of jail time or fines; criminal fraud can result in both.

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