Imagine that you have been on vacation in Florida. While at the airport, awaiting your flight home to Canada, you suffer a cardiac arrest. You are rushed to a local hospital where you are treated.

Prior to embarking on your holiday, you confirmed that you had the necessary medical insurance. Therefore, when you were receiving medical treatment in the Florida hospital, you believed that all costs incurred would be covered by your medical insurance. Imagine your surprise when, upon submitting the hospital bill of over $600,000, you were told something very different. “‘Oh, we’re not paying “‘

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