Without going into too much detail, my dad is 63 and a single parent. Two years ago, we began a gigantic clusterfuck with the ACA where he fell into a weird gap where he made too much for Medicaid but didn’t make enough for the ACA. So one would reject him and refer him to the other, which would reject him and refer him back. He’d be on the phone every day for months trying to talk to state Medicaid people, Healthcare Marketplace people and nobody could make heads or tails of the situation.
By some crazy random happenstance, my sister (17) was able to sneak through and qualify for CHIP through Medicaid. After a year of paying for a marketplace plan, I (27) qualified for insurance through my job. So me and my sister are insured but my dad still is not and it’ll likely takes months of calling and fighting and probably lucking into finding the right person to get him insured.
Last night he had a baby health scare and didn’t wake any of us and said he can’t go to a doctor or to the hospital because he’ll be paying for it the rest of his life. This is pretty much the last straw for me. How can I get my dad insurance? I tried extending him to my jobs insurance but they said you can’t cover parents or I would’ve gladly paid the money to get both of them on mine.
Is there any kind of place where I can just go and buy him insurance? The Marketplace is dying and a broken system and I know nothing about insurance. But he needs to be covered. He’s getting up in age, he has these little scares every now and then and I’d rather him not just tough it out because he has no insurance. Can anyone help?