Since you stated it was an accident, The only way that I know of that would pay 100% of the $400,000 bill, would be an HSA plan with a supp accident policy that matched the deductible. AND, every fricken doctor, thumb prick, and Xray/mri, and anesthesiologist was done in network (doubt it).
Does US Health Advisors sell HSA plans? Have you ever sold one? Do you know what one is?
Does US Health Advisors sell HSA plans? Have you ever sold one? Do you know what one is?