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My hospital stay billed insurance like $300k for a 5 day stay. It was not critical care but it was specialized. Insurance covered all but like a thousand, I also have a $5k out of pocket max that goes into effect in some situations.
So if my hospital stay was 4 months and I didn't get a bulk discount we're looking at like $7mil USD but with insurance I'd instantly hit my out of pocket max and only be out $5k. Because there are lots of ways insurance can fine print you from actually hitting out of pocket though I don't know
Unless anything was out-of-network and that bumps you up into a much larger out-of-pocket max.
But you planned for that. You went to the hospital you specifically knew was in network before you entered your coma.
Problem is they brought in a doctor they knew was out of network. You didn't choose him, they did. Now pay up!
Or just not covered procedures, like organ transplants