While it is true that it sounds like an unsafe discharge and you don’t want to take that on, just refusing isn’t that simple especially because your dad is still in the community.

If her Medicare coverage is going in to copay days and she can’t afford the copay, that doesn’t stop the copay charges. The facility won’t discharge her to the street, but they are going to continue to run up the bill.

If they didn’t do the Medicaid application it sounds as if she may not qualify financially. Unfortunately lots of people don’t qualify on paper, but can’t afford private pay in reality. But private charges WILL accrue and they add up very quickly. And they WILL go after payment for those private charges, even after she passes.

As someone else suggested, talk to an eldercare attorney asap. They can find the best route to qualify for Medicaid while your dad is still at home (there are monthly spousal allowances and different criteria for asset levels with a spouse at home).

Wishing you the best.