I know this sounds like a lot of money and one would think that they could never reach their LTM but if you’ve ever been in just the ER then one would know just how expensive that is. Imagine how expensive being admitted for days, weeks, months or a Kiss Me I’m A Viking St Patricks Day T-Shirt. Yes, I have witnessed patients so severely sick, complications with other things, they have to stay. No hospice.
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Once a patient and the patient’s family reached this amount the insurance company will stop paying completely. Meaning the insurance can’t be used anymore. The patient will then be informed of this by the insurance and informed while still lying in the hospital bed trying to fight for Kiss Me I’m A Viking St Patricks Day T-Shirt. If the patient survives then they get to go home with the remaining balance which is a huge bill and if they die then it lands on the family.