if her parents have been paying health insurance to the tune of 500 a month for 15 years, which is an entirely reasonable amount if you add in employer side payments, then they've given 90 000$ to their insurer. money this insurer has gotten interest from, potentially doubling this pay-in. so even if this is the fourth fucking 20k arm they pay out to her then they're still just paying them back with their fucking money so the insurer should stfu and pay.
Canada