Ok as far as RCI billing you for services on board,insurance should cover that. As far as the hospital wanting multiple payments upfront yes that is the way its done. Known several people who have been admitted for things like broken bones, heart attack and dive accident resulting in paralysis so yes this is the way it's handled. As far as the hospital being in a poor area, there are only 2 hospitals they would have sent you to. You were in Cozumel so yes its a poor country but knowing where the hospitals are there are resources nearby and the hospital would have helped if you asked. You may just not have seen the resources you were thought you might see but I assure you you could have found them. I understand you were upset and frustrated but the situation was handled as it typically is. Sadly it wasn't the way you wanted it handled. I hope your mom is doing better