Life or death is not only relative to your condition, it is relative to the terms of hospital admittance. You can have BC/BS and they will admit you knowing it will be covered for your situation yet someone having Aetna would be sent home with an aspirin and an atta boy.
I remember one night I was jumped while driving cab. One of the 4 guys busted a beer bottle over my head. After getting off work, I went to the hospital and they took xrays, cleaned up some of the blood dried to my skull and said Well, you might have a depressed skull fracture. Go home and take plenty of aspirin and tylenol. I had a concussion for 3 days.