Are you sure with your plan you have to wait 2 weeks for the company to approve your doctor visit? That seems ridiculous. Which school do you go to, if I may ask?

Your son needs to fill out a financial assistance application with the hospital. He'll likely need to show proof of income, state his total assets, etc. The hospital will have their own form and list of requested documentation.

Then they will work with your son on any discounts available to him based on his income level. If he has no income or no assets, he may even have the entire bill waived. Depending on how that hospital's sliding scale works.

Once a final balance is determined for him, he will have to work out a payment plan with the hospital.

P.S. I assume you've also looked into any available liability insurance coverage from the owner of the quad? There may be some medical payment coverage available through that as well.

You have a contract with the insurer. If you lied to get coverage, the entire contract may be voided (depending on the terms of your particular contract).

Most insurance companies will require you to get their permission to have anything done, but when they grant you permission (pre-authorization) it is NOT a promise to pay. They make that decision AFTER the surgery.

This is a major reason why our health care system is in such a state. You pay for insurance, they deny coverage and pocket the money you paid. You AND your doctor get screwed.

Want proof? Just look at the rates of uninsured drivers – in ANY state. It varies from about 5%, in most places, to up to 25%, in Florida, the uninsured driver capital of the US. If you can't make people pay for their minimum liability car insurance, how in the WORLD do you expect to make them pay 5X MORE each month, for their health insurance??! ESPECIALLY when they're the young, healthy 20 somethings that are convinced nothing is going to go wrong with them?!?!?!