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Yes, providers have every reason to keep their customers trapped within their walled garden. Zenefits has a track record of prioritizing punting the blame ahead of solving the problem:

https://news.ycombinator.com/item?id=9499906

it's a running theme in most customer service interactions with Zenefits (Aetna's fault, Intuit's fault, etc.). There's also tends to be long delays in response times because of the back and forth between Zenefits and the provider, and sometimes conflicting responses which make things really frustrating



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