It is a terrible day when a person can't go to the hospital when they really need to.  Insurance companies refuse to pay for a sick person to be admitted to the hospital.  Or, they will allow them to go for two days, and then pushed them out, before they are completely well.  I know this as a fact! Why are we paying so much money into multi million dollar companies and them refusing to pay what they owe.  If they say they will cover certain items on their policy and they refuse, then they should be held liable not the patients.