Diagnosis is inexpensive it's the treatment that is unaffordable. If your folks want to die at home then contact your local Hospice so you will know when to engage them. Most won't step in until death prognosis is within 6 months.
Hip surgery is not the end of life but it alters life measurably.
Talking "doc speak" at the vet Hospital should create attention. You are an articulate man (judging your posts) and I sense you will advocate for your folks because you care for them.
Cruise the herbal and alternative medicine aisles in your local bookstore or take advantage of my favorite bookstore for mailorders:
http://www.powells.com/
Homeopathy takes hours of study to apply but check out the lay books for immediate application. Herbs the same. Acupuncture, I selected a practioner to do for me since Chinese medicine is another matter.
This is what we do in the uninsured world.
In admiration,
cynthia
PS Much impressed with your dam. I was pained reading about the drought.
And we will make the bluebird nesting boxes predator proof for the coming year early winter.
You are a gift of a person, Heineken.