This reminds me of the case of a friend (who is from India) who went on vacation to India. There, something went wrong and he suffered a herniated disk in his back. He immediately went to the hospital. They took an MRI, and advised surgery. He underwent the surgery, and then had a 1 month stay at home with a nurse in attendance. Total cost came to about 200,000 rupees (about $4000).
He came back to the US and then told the insurance company what had happened. (He didn't know he had to inform the company when it happened). They balked at paying his expenses, and came up with all sorts of excuses. Then he told them the cost: $4000. The person he was talking to told him was shocked, saying just an MRI here would have cost them more. They asked him to get an post-surgery evaluation done by his primary physician, and paid the bill no questions asked.
He came back to the US and then told the insurance company what had happened. (He didn't know he had to inform the company when it happened). They balked at paying his expenses, and came up with all sorts of excuses. Then he told them the cost: $4000. The person he was talking to told him was shocked, saying just an MRI here would have cost them more. They asked him to get an post-surgery evaluation done by his primary physician, and paid the bill no questions asked.