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When the federal started coming down hard on the HIPAA, although my dad had legal guardianship over mom (thru the court), mom's clinic and the ER still kept dad out. He had to wait in the waiting room. Mom was completely in a vegetative state, the clinic treated mom while dad was in the waiting room. Doc didn't even ask him why mom was brought in. They gave a prescription for mom for rashes, we took the ambulance back home. And I noticed that her pamper wasn't completely untouched. We took mom for a bedsore that was sinking into her butt muscle. Obviously, the doctor treated her for the wrong thing. It seems the hospital and the clinic view guardianship as a lower document than a POA. Every time dad brought up his guardianship paper, they always insist on POA documents, which he doesn't have. So, depending on the medical institution, being a spouse does not guaranty that the doctor will discuss the spouse's medical condition.
So, to have all your bases covered, it's best to assign a medical and financial POA in case something happens in the future. This way, the spouse will not have his hands tied when dealing with authorities.
Healthcare? Probably depends on a lot of things. Is family objecting? The doctor's going to have a BIG problem with that. What is wifey wanting done? Does the doctor agree? Is it in the patient's best interests? One would find themselves "at the mercy of" the healthcare industry and their representatives if the patient couldn't speak for himself.
There is no such thing as "an informal POA". It's either in writing? Or it doesn't exist.