text: Thank you for stressing that elderly parents need to be medically stable for 90 days. My 89 year old father passed away from heart failure and the insurance would not pay stating that he died of a “pre-existing condition” . If you have elderly parents they will likely be hospitalized or die of a pre- existing condition. Save your money and roll the dice because your odds of winning at the casino are better then they are collecting from an insurance company.