QuestionMy father(80 years old) has limited income and no assetts. Is it necessary for him to have the suplimenatary health insurance when it is hard to afford and has nothing. Will he be denied any health care and in case of emergency, who is resposible for the additional expense? Thanks for your time.
AnswerIf he has no income and no assets, he may be eligible for medicaid, which is for indigent people, then his healthcare with be virtually free. If he is not eligible for medicaid, then he should have supplemental insurance if he has medical conditions that require multiple medications. In an emergency, he would never be denied healthcare at a hospital, and his estate, if any, is responsible for any additional costs. This would roll over to his wife, but not to his children.
Hope this answers your questions.
