Thank you for sharing your experiences with us. You must be so upset! {{{Julie}}}
I can't understand why an insurer (is your Dad on Medicare?) would force you into costly ER visits, instead of less expensive hospice nurse visits. It doesn't make sense. It's a lose-lose situation: bad for the insurer, and also hard on your Dad.
Or, would your family have to pay for the ER visits (i.e. are they not insured)? That's terrible! ER is extremely expensive :-(.
I'm so sorry to hear about your problem.
Wendy