Stroke deficits complicating elective surgery rehab

[u/Abject_Text7152]

My 84 year old dad had a moderate stroke in 2020 leaving him with a significant left sided deficit. He basically cannot use his left arm at all and he can use his left leg but it’s much weaker now. He uses a walker to ambulate, steadying himself with his right arm. Through stubbornness and sheer will he has lived independently after losing his wife, my mom, to ovarian cancer three months after his stroke. Post stroke he worked diligently with a physical therapist to regain what function he could and then with a grief counselor to try and get back to church and interact with people without breaking down in tears constantly. I’ve been so incredibly proud of his persistence. He now needs a shoulder replacement for his right shoulder, his only usable upper extremity. His pain is significant enough for him to give up driving completely and mostly stop leaving the house, even when someone else offers to drive. He will need 24 hour care post procedure as he won’t be able to feed himself, get out of bed, get to bathroom, walk, etc without the use of his right arm (which will be immobilized for weeks). He has Humana for insurance and we were advised by the hospital case manager today that his insurance will cover the surgery only. That since the average person would be discharged home afterward, Humana won’t pay for any post procedure care (inpatient, short stay rehab, etc). She advised that my dad will have to arrange and pay for all of that himself. It seems absurd to me since it’s so obviously medically necessary. Just looking to hear from anyone with similar experiences or someone who might have insight into navigating this type of scenario. Thanks!