The insurance company paid the bills basically did what you would expect an insurance company to do in the event of such an unforeseen situation. We all pay in our premiums and the insurance companies take the risk that they will have fewer claims than the total of the premiums. Of course insurance companies tend to drop you or raise your rates if you actually have a claim. They seem to charge more or refuse you if you've ever had a claim any where at any time in your life. From my vantage point, it appears that insurance companies for the most part, have perfected methods of providing insurance to people that are most likely not ever going to have a claim.
Nothing is perfect, so now and then the insurance companies get hit.
They actually have to pay the claim. Some one actually works up the nerve to become involved in an accident, get sick, have problems at birth or whatever. In the case of Samantha, the premiums doubled recently. Nearly sixteen hundred dollars a month. That's hard to live with.