We've written about it before. Adult children find out their parents do not have a Medigap (Medicare Supplement) plan until it is too late. A recent client situation shows how a bad situation can be made much worse. Dan's 83 year old father had to endure 6 hours of emergency heart surgery. After a lengthy stay in the hospital, he was moved to a skilled nursing facility. It was only then that Dan found out his father had canceled his Medigap policy several months earlier. It had become "unaffordable" according to his dad. He didn't mention it because he was embarrassed to admit his financial difficulties to his children. This bad situation had now become much worse.

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