I can personally attest to this. My daughter suffered many complications after surgery for congenital heart disease and was listed for transplant while an inpatient. Due to neuro complications she was a long shot for transplant but the scarcity of donors in that age group is profound (thankfully so as nobody wants 'lots' of available donors in this age group). My daughter survived w/o a transplant and has some chronic cardiac conditions. Suffice it to say, had her condition continued to worsen, she would likely have died on the wait list.....despite our 'good' insurance. And I saw it happen to other families a few times during our three months in the hospital.
Rob's right here....this is BS. Worse than that, it's political BS/scare tactics.