 And the doctor says, he gave me a sheet of paper that said, you might have colitis. Because she lives in Ecuador, Simmons doesn't have Medicare. But she had bought a travel insurance policy from company IM Global. And the hospital sent the bill for the ER visit there. But some three months later, IM Global turned down her claim, saying despite her emergency, that she had a pre-existing condition. And in September, the hospital bill came to her.