Calling BS on a major plot point

Even in real life, Richard Dreyfus is 67, well past enrollment age for Medicare. So Adam wouldn't be carrying his old man on private health insurance. Without having me detail here Medicare A & B and supplemental coverage, which would make most people's eyes bleed, while there are copays involved, there would be no "$40,000 procedures." Unless the procedures were experimental or deemed unnecessary, which is a whole other cr@p sandwich, but in the context of the movie, Dreyfus wouldn't have astronomical medical bills with a decent supplemental coverage, many of which have no premiums, just around $110 deduction from one's Social Security check is all you pay, other than the aforementioned copays depending on the optional supplemental plan.