I ran into a friend of mine last week with heart problems who’s had four trips to the hospital within the past several years. Two of the expensive trips were covered under insurance. The other two incurred hospital costs he’s responsible for paying to the tune of thousands of dollars.His heart problem centers mainly on atrial fibrillation –the most common of all the abnormal heart rhythms (arrhythmia). He has no underlying heart disease.On his third trip to the ER, he was convinced by his cardiologist that a particular cardiac surgery would fix the problem; and, said the cardiologist, there’s a ...