Not disagreeing with you because you don’t HAVE to do any of those things. However, your medical insurance company is looking for any possible reason to avoid paying the bill. Depending on how or what the hospital reports to them they may be able to do just that and stick you with the bill. My motorcycle accident and recovery well exceeded $1M. Maybe I’m wrong but after 3 straight months in the hospital I had enough and it was this threat that got me to turn around and get back in the bed after trying to walk out against there recommendations. Just saying.