Miss Tam,
You need to breathe.
I hope I don't sound callous:
Hil is in the hospital and seriously ill. That has to be your only concern right now. Screw the insurance,screw her job, screw all other distractions. Stay focused on what you have control over.
I am speaking from experience and compassion.
Be her voice of reason. If the insurance is F'd up, let her know that you will help her with that later. Right now she can't afford to spend strength, attitude and emotions on anything but recovery. You can't either.

That said, if it helps you to dump the crap here, DUMP AWAY.
Maybe you can get us the cell phone number of that agent. We could have a lot of fun with that.
SINS, keeping you in my thoughts and prayers.