Just reading what budwad posted (didn’t read the state specific link throughly) I don’t see where it states third party guarantees are not allowed under federal law. The citation posted doesn’t say that . It states an admission to a facility where Medicare or Medicaid is the source of payment cannot mandate a third party guarantor. I don’t see that as actually outlawing third party guarantors.
It simply states having a third party guarantor cannot be a condition of admission. That just means the facility can’t refuse to admit the person unless there is a third party guarantor. There is a difference between mandating a guarantor to permit admission and voluntary acceptance as the guarantor.
Regardless, there is a difference between statutory based filial liability and intentionally accepting the role of guarantor. It appears various states apply the filial liability laws differently to such a debt as well.