NORTH BRANCH, Minn. — At 4 a.m., Paul Heggestad dialed 911 from his North Branch home as his wife, Mary Snow, screamed in pain on the living room floor. Doctors would later determine Mary had a serious blood infection, and her body was shutting down. The ambulance crew rushed her to the hospital — and the couple assumed their insurance would handle the cost. Weeks later, the bill arrived: $5,674 for the emergency transport.