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 It’s one of the most unfair aspects of medical insurance, in a system that often seems designed for frustration. Marcos Mesa Sam Wordley / Shutterstock.com

Sarah Feldman, 35, received the first ominous letters from Mount Sinai Medical last November. The New York hospital system warned it was having trouble negotiating a pricing agreement with UnitedHealthcare, which includes Oxford Health Plans, Feldman’s insurer. “We are working in good faith with Oxford to reach a new fair agreement,” the letter said, continuing reassuringly: “Your physicians…

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