You need to contact a lawyer. If you're clearing out your savings to pay for her treatment (but not for the in-home PCA), there's a good chance her insurer is committing a number of violations regarding her coverage. For many insurers, having a lawyer breathing down their necks about coverage decisions also tends to be a good way to get them to approve treatment without giving you the runaround.
So they would have spent that money on a lawyer instead. It doesn't matter what you do, you can't escape the astronomical cost of healthcare in the US.
As someone who has been in this situation, I can attest the only difference between the two situations is that if you go to a lawyer your mom doesn't get all treatments in the meantime.
Fortunately for me, the people at Mayo Clinic are amazing and gave treatment they knew we couldn't even start to dream to pay for. Not everyone is so lucky.
Ended up dropping the whole thing though. And lawyer said it was slam dunk malpractice, but reality bites and it's amazing what hospitals can do.
