I required a bone marrow transplant last year, and the insurance coverage was extremely iffy. Pretty much you had to have the procedure done and then if they didn't cover it you had to jump through hoops and possibly pay out of pocket. Only estimation the hospital would give is around $500,000. They said just do it, what are they gonna do repo your bone marrow. I'm still dealing with insurance over this.
I have had a very similar situation. Not sharing the particulars but that put us in a terrible spot. Terrible. Unless you have experienced this please do not pass judgement.