> You have to pay hospital out of your pocket? Surgery for cardiac arrest is far more expensive than $5000. The cost of such a surgery (without insurance) is

> You have to pay hospital out of your pocket? Surgery for cardiac arrest is far more expensive than $5000. The cost of such a surgery (without insurance) is easily over $100K and if you said "it was $1M" people would be like "that's a little high" rather than "impossible!" This must be for incidental costs incurred or for recovery not covered by insurance. (Like: Some insurances might only cover physical therapy twice a week. They probably cite some study saying that is sufficient for recovery. But other people might argue more frequent sessions are better, so this money could cover the more frequent sessions.)