First. I hope your family is OK.

Second its total bullshit the medical insurance companies can just declare something isn’t needed (usually by a doctor on thier payroll). Then use that as a justification to decline coverage.

This is supposedly a standard tactic for them too. Decline all big claims and see who fights it.

That’s insanely immoral especially because anyone with a huge medical bill clearly has some shit going on and the last thing they need is the massive stress of a massive medical bill.

We have movies and TV shows that poke at how bad our medical coverage is and we Americans just accept that the plot is acceptable.

The ones that come to mind are:
The Rainmaker kid dies of lung cancer because insurance declined treatment due to it being “experimental”.
Breaking Bad yeah. Cooking meth to pay for cancer treatment