When my FIL retired from a major corporation 29 years ago part of his retirement included medical insurance and then Medicare supplement insurance. They did not update the policy and it is pretty crappy coverage. They pay $180 per month and it covers very little. My in-laws are in memory care, and my BIL and husband are POA’s. The corporation says they will not cancel the policy even though my husband and his brother have legal POA, unless they have my FIL on the phone. As you know, we cannot visit them and my FIL is not cognizant enough to have that conversation. Short of getting an attorney, what can we do?