You did everything right. You picked a doctor within your health plan network. You made sure the hospital was in your network. Yet you suddenly face a bill for thousands of dollars for doctors or anesthesiologists who were not in your network. Bait and switch, anyone?

Only about a quarter of the states have even the smallest protection for this. A few states — California, Connecticut, Florida and New York — have passed laws since 2015 giving stronger protections. If you live in another state — your politicians care more about donated campaign money from insurance companies than they care about you.  Continue reading “How your state lets insurance companies screw you” →