Hospital charges are unpredictable and even more unpredictable are insurance coverage. Somebody close to me drowned in Texas, was airlifted to the hospital following a 911 call but he died few hours later. Only around $25,000 of around 53,000+ was covered by insurance.

His insurance specifically did not cover the helicopter cost and some other things too. I still have not checked whether my current insurance covers helicopter, sea, volcano or some unusual rescue. Please don't assume you are financially safe if you have medical insurance. Things happen in unusual circumstances, and a clause in your insurance document (or its interpretation) can easily nullify your claims. Going to the court is beyond rational thought when your loved one is already dead.

Once again, please help these bereaved brothers.