Patient currently on a ventilator but stable. Received a letter from insurance company saying coverage for some of the days was rejected. Then got another letter later saying they reviewed and now those days are covered again. Since the patient is still currently in ICU, we are really alarmed there will be a monster bill at the end of the day that will bankrupt the family. The delay to transition to a long-term acute care facility seems to have been mainly caused by a number of issues: 1. Insurance transition (Cobra ending end of month, then secondary becomes primary) 2. Major change in cost of ongoing medication (clinical trial kicked the patient out after learning about the ventilator, the commercial version costs $15,000 a month). Question is how to prepare for this and protect assets?