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But for all the health benefits of a vegetarian/vegan diet, vitamin B12 deficiency is near-universal in strict vegetarians and vegans

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69 The study also showed that diabetics who smoked had lower levels of protective HDL cholesterol (which further confirms the cholesterol effect discussed earlier), and they also had a significantly increased amount of protein in their urine, a marker of early kidney damage

Insurance providers may also require a urine sample or an electrocardiogram (EKG) depending on coverage amount and medical history