How can I prevent my mother from making decisions that negatively affect dad's insurance stability? - AgingCare.com

How can I prevent my mother from making decisions that negatively affect dad's insurance stability?

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I live about 2,000 miles away from my parents who live in Louisiana. My mother is about 65, works as a nanny, and cares for my stepdad who is 83.
We've just been informed that the insurance got cancelled. Likely because she did not pay it on time. This is the 4th time this has happened. Everytime we try to help, she let's us help to fix the bureaucracy of navigating the system, but she often takes over and things break.
Are there agencies that help her navigate these things or provide financial counseling so that she doesn't make these mistakes again? I feel the biggest problem is that she's not accountable to anyone and that she's not getting the right advice by herself.
In a perfect world, I would just put them under my own insurance but I don't think that's allowed (right?)

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So, I can tell you she's mentally with it. However, they've never been good at the "operating system" of life's paperwork. This is aggravated by the fact that they lived most of their lives out the States and have recently come back to live their senior years. This has created a situation where they really don't know how to navigate the choices and when it becomes overwhelming they just let it go. I suspect this is what happens with the insurance. Or worse, a friend of theirs will tell them that option X is better and so they will go and pursue that which is a dead end (e.g., signing up for Medicaid --- they earn too much for that)
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Repeatedly letting insurance lapse MAY be a sign that something is amiss. I'd make arrangements to observe how she is actually doing. There could be some kind of cognitive decline that is going on. In the meantime, you might get the insurance put on an automatic draft, so that it is automatically paid each month. But, I'd still explore what is going on with her. Can you chat with any staff at the IL? Do you know her friends? I'd try to find out what's happening. Sometimes, people can put on a good show for a short visit or on the phone, but, you may need to see the whole story to confirm what's really happening.
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