“I once received an Explanation of Benefits statement showing that the billed services for a few weeks in the BMTU were more than $3 million. It seems shocking that the medical system can't spare dollar figures in the thousands to pay for professional in-home care. If a medical professional tells the family that the patient has a medical need for twenty-four hour care attendance, as Dr. T did, it doesn't make sense that that very very attendance is a noncovered expense.”