They explained the appeal process to us and then indicated they did have a finance department if we exhausted all the appeals. We ended up having to pay a small amount -- $500, but that bill was sent about a YEAR after we'd gotten the vest. And I'd been socking away money since he was diagnosed 'cuz originally I thought we'd be responsible for 20% of the costs. The TOTAL cost for the vest was about $12,000 from Hill rom