The story

Todd Robinson doesn't need Michael Moore to tell him the health insurance system in the United States is in crisis.

Robinson's 7-year-old son, Bailey, suffered from adrenoleukodystrophy, a rare genetic disorder affecting the brain, portrayed in the movie "Lorenzo's Oil."

The Robinsons say their insurance company refused to pay for $200,000 worth of medical bills. The company stamped "denied" on bill after bill, refusing to pay for countless medical services right up until the day Bailey died in 2005.

The Robinsons are not alone. Tales of frustration with insurers abound. In an Internet survey that included 1,000 consumers, nearly one out of four said he or she had had a legitimate claim denied by their health insurance, according to PNC Financial Services Group.

"I don't make a lot of money," says Robinson, a paramedic. "There's no way I could pay $200,000 out of my pocket." Read full article »

Elizabeth Cohen is a correspondent with CNN Medical News.

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