Wasn't Dave in the Navy at one time?
If so, he receives free VA medical coverage and most likely has a Medicare plan.
But since I ain't no expert on the above .... I doubt that either plan covers his dependents.
I am covered by both VA and Medicare and have yet to see a hospital/medical bill in my lifetime ...... except for a $90 c0-pay when I went to to a civilian emergency clinic for what I thought was COVID but simply turned out to be a prolonged, 7 day, cold.
If you are young enough .... join the military, see the world, and shoot the bad guys .... and never ever have any med-bill worries.