External Link - Source: NPR
Last October, Esteban Serrano wrenched his knee badly during his weekly soccer game with friends.
Serrano, a software engineer, grew up playing soccer in Quito, Ecuador, and he has kept up the sport since moving to the United States two decades ago.
He hobbled off the field and iced his knee. But the pain was so severe that he made an appointment with Rothman Orthopaedic Institute, a network of orthopedists practicing in Greater Philadelphia, New Jersey and New York.
The doctor diagnosed a strain of the medial collateral ligament and prescribed over-the-counter pain medication as well as a hinged knee brace, which Serrano used for several weeks until he’d healed.
He expected his insurance to cover his treatment. A plan from a previous job had covered him when he needed surgery to fix a broken nose sustained in another soccer game in 2017.
Then the bill came.