I would offer to your father-in-law that he is not special and that HIS insurance company could EASILY pull this shit on him. Healthcare is ALREADY rationed by insurance companies and it might just happen to him someday.
They authorized back surgery but denied his $148,000 claim
Jon Yates
July 21, 2009
Michael Napientek of Clarendon Hills was in excruciating pain and needed back surgery. His wife has worked in the health-care field for 30 years and thought she knew how to navigate the insurance bureaucracy.
Before Napientek was wheeled into an operating room Oct. 27, his doctor obtained a preauthorization number. The surgery went well, and within weeks Napientek was feeling much better.
Until April. That's when the couple began receiving a series of letters from the insurance administrator with chilling news: Claims for the surgery had been denied, leaving them on the hook for the heart-stopping total of $148,000.
http://www.chicagotribune.com/news/columnists/chi-tue-problem-insurance-0721jul21,0,5666288.column