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Margaret Hvatum ended up in the hospital after her insurer denied coverage of a medicine she relies on to boost her immune system.
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A doctor in Colorado became the patient after an crash totaled her car and sent her to the operating room. The hospital kept her overnight, but her insurer stopped paying after she left the emergency room.
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After Tom Saputo underwent a double-lung transplant in 2018, he was stunned by the more than $11,000 bill for his share of a 27-mile air ambulance ride from one hospital to another.