Drew Calver, a high school history teacher and swim coach in Austin, Texas, had a heart attack at his home on April 2, 2017. A neighbor rushed him to the nearby emergency room … which was out-of-network on his school district health plan. …his health plan paid nearly $56,000 …. but the hospital charged Calver another $108,951. That sum – a so-called balance bill – was the difference between what the hospital and his insurer thought his care was worth…. READ MORE