Los Angeles Times

Consumer Confidential: After a medical crisis, she was hit with fine print

Of the many dubious reasons insurers use for denying claims, one of the most bizarre is telling a patient they neglected to obtain prior approval for treatment in the midst of a medical emergency.

Because, of course, the first thing most people think of in a life-or-death situation is phoning some insurance company's call center and jumping through bureaucratic hoops.

Kathy Mutchler faced this Catch-22 recently - and found herself saddled with a $71,000 air ambulance bill - after being diagnosed with a severe kidney infection in Mammoth Lakes, where she was staying with her wife in an RV park.

Mutchler, 64, who these days calls the open road home,

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