I've talked about this before. And it just keeps coming back. My son suffered from infantile spasms. I need to clarify, it is NOT a $39,000 treatment. It is a $39,000 **PER VIAL** treatment. For my son's dosage, we got about a weeks worth the shots (2 a day) per vial. He was put on a 6 week course with a 2 week tapering down tacked on the end.

This was a $200,000+ treatment.

Insurance initially refused to pay.

Our doctor had to 'hack' the system by administering the first dose inpatient, thus finding some loophole that forced the insurance to pay for the whole thing, despite the remainder being administered by us, the parents. (Sticking your infant son in the thighs twice a day sucks ass BTW.)

That being said, your logic still applies. We would have taken on the debt to help our son. I had already done so with my first born when the insurance at that time refused to pay for an emergency c-section. I literally signed waivers agreeing to assume the cost of my child, before they would cut open my wife and unwrap the umbilical cord from her unborn child's neck...