Continuity of Coverage (IL)

Hi there. I have been having a hellish week and could use some advice. My partner is currently hospitalized in an inpatient psyche unit, and it is been timed very awkwardly insurance wise. She is on her parent's insurance, but is losing coverage due to a parent quitting their job. She is still in the SEP for this change.

The insurance "termination date" was October 4, but there is a "grace period" meaning the coverage extends to November 4th (BCBS Federal). I have been told that this means she will have to wait a whole month until Dec 4th to have coverage, either through the marketplace or her employer (who does offer a good PPO plan).

This will not work. She needs to step down to a residential mental health program, which would not be financially viable without insurance. We need to figure out some way to make sure she has insurance for November, and I was hoping that 1) there is a solution to this and 2) someone could explain what our options would be.