<p>^^ I agree about the insurance company being the culprit (as usual). They are really tough to go against though. You don’t even want to think about it without an attorney, but they have armies of attorneys as well. Maybe the OP should take parallel tracks: contact a lawyer AND contact federal elected representatives. </p>
<p>Just curious, does anyone know: For citizens of countries which have universal insurance, does their insurance cover medical costs incurred abroad?</p>