A bacterial infection is not a long term illness. She may have to hire a lawyer to get the insurance company to pay.
Exactly. The bacterial infection was a medical emergency and was not a pre-existing condition. She would almost certainly win with a capable lawyer on her side. Humana might back down if she warns them that she is getting a good lawyer specializing in malpractice and will fight for as long as it takes to recover at least medical costs and legal fees, and if she throws in the possibility of punitive damages if their intransigence becomes a major life issue for her.