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In this photo taken Dec. 2, 2011, Bill Dunphy poses for a photo in Phoenix. Dunphy, a 61-year-old small business owner, thought his colonoscopy would be free under the nation's year-old health care law. But when the doctor removed two non-cancerous polyps, turning a preventive screening into a diagnostic procedure, it allowed his insurance company to bill him $1,100. "That's bait and switch," Dunphy said. "If it isn't fraud, it's immoral." (AP Photo/Ross D. Franklin)

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Preventive care: It's free, except when it's not

CHICAGO -- Bill Dunphy thought his colonoscopy would be free.. His insurance company told him it would be covered 100 percent, with no copayment from him and no charge against his deductible. The nation's 1-year-old health law requires most insurance plans to cover all costs for preventive care

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