And the Insurance Company "contract" with the manufacturer is?
Manufacturers, medical providers, hospitals, surgical centers, etc. all have negotiated contracts with insurers that reduce the actual cost of the procedure, medication, etc. that is to be paid by the insured.
Seems from your numbers it is NOT $156K/yr.
$13,000 per month x 12 months per year = $156,000 total per year
Let alone lifetime limits from Insurance?
Obviously, once the lifetime limit is met with her current insurer, she will have to obtain coverage through another insurer
And the Insurance Company "contract" with the manufacturer is? Seems from your numbers it is NOT $156K/yr. Let alone lifetime limits from Insurance?