Bijulee, When i read you saying the donation amount won't be even close to a tiny portion of the bill, I was kinda frustrated, why the hell we are then collecting funds if thats just negligible.. but when i read your openions regarding how the fund shd be used, that made sense to me. I have had an experience on claimimg student insurance. It was not great, but it was not that bad too. They covered 80%, which was way beyond just $3000. one has to be very careful to read throughly and claim the max amount possible to get frm them. Do you already have a copy of his insurance card? If you could share the name of insurance provider and school of Pranav, some of us could probably volunteer to find out the policy limits in his case and share that info in shjha form. This may also help when the insurance has to be claimed.