[ColinWright]

The article seems to be saying that in some cases the insurer assesses what the hospital is charging, decides it's too high, doesn't pay it all, and then you owe the hospital thousands of dollars despite being fully insured.

So I don't believe your assertion.

[pas]

That was a travel insurance, "completely" different from the US healthcare insurance providers, where the issue is in-network and out-network providers, etc.