When my mother died of cancer (also in her 50s, still working as a public teacher in NYC so should have had great insurance for this) the hospital went after the estate with a million dollar bill. I couldn't even afford a lawyer to contest it at the time and ended up not inheriting anything except what I could take out of the house.
The only people with good outcomes are the rich who can afford it, and the poor who couldn't afford anything yet are still being treated because other tax payers are paying into this system.