US NEWS JUNKPOLICIES 7 MCT

Robert Benson/MCT

Mike Adams of Ramona, Ca., a 61-year-old restaurant owner and self-employed guidance counselor, is suing his old health insurance company for fraud and breach of contract over $193,000 in unpaid medical bills. Adams' suit claims his insurance agent and the Mid-West National Life Insurance Company of Tennessee, a subsidiary of HealthMarkets, Inc. used deceptive marketing to misrepresent the terms of his coverage and improperly deny his medical claims. Adams said his wife, Theresa (right), didn't realize the coverage limitations until he was about to undergo open heart surgery in 2011. (Robert Benson/MCT)

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