A $35,000 kidney stone? Know the risks, limitations of short-term insurance plans

November 1, 2018, USA Today, Ken Alltucker- Chad Bertanzetti is young, active and healthy at 44. But he bought health insurance three years ago in case he was injured while enjoying outdoor hobbies such as rock climbing, snowboarding and mountain biking. So when a high-speed snowboarding accident shattered and dislocated the Colorado Springs man’s shoulder in 2016, he thought his hospital stay would be covered by his short-term plan. But repeated payment claims for a shoulder-repair operation, doctors’ visits and a follow-up surgery were rejected by his health insurer. Bertanzetti has filed a federal lawsuit challenging the refusal of HCC Life Insurance and HCC Medical Insurance to pay his claims. He has amassed tens of thousands of dollars in unpaid medical bills.

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