Courtesy of Stella ShonStella Shon experienced burn-like wounds all over her body from an allergic reaction to medication.One insurance provider paid almost $900K for the ICU. Her follow-up claims have been rejected.Shon has paid over $20,000 out of pocket for related medical expenses since her hospitalization.Editor's note: Business Insider has verified all medical expenses and payments mentioned in this article.I'll never forget the day I opened my UnitedHealthcare app and saw nearly $900,000 in hospital charges.In August 2022, what started as flu-like symptoms rapidly escalated into a life-threatening emergency, and I was diagnosed with Stevens-Johnson Syndrome (SJS), a rare and severe allergic reaction to medication.After taking over-the-counter pain relievers and antibiotics, a rash spread across my body, and I was rushed to the ER with burn-like wounds, requiring immediate intubation in the burn ICU.Discharge day nearly a month later was a turning point in my life — not because I'd survived the ICU, but because the battle was far from over.Longterm complications come with a costOver 26 harrowing days in the hospital, I suffered blindness and developed raw wounds from my head to my torso.