After paying the bill for his monthly insurance premium, Septimeo Murray Jr. received a threatening letter from his health insurer. The letter claimed that Blue Cross Blue Shield had not received payment and gave him 60 days to pay, before his coverage would be cut off. So what exactly was the problem? He had paid, so what had Murray done wrong that was going to leave him without health insurance if he didn’t act?

Apparently, Murray’s payment was ten cents short.