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Ask the facility. ...but by now wouldn't the original poster (from April) be done with Medicare SNF.....unless preceded by a new Inpatient hospitalization of at least 3 midnights?
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For Mom, the NH/Rehab facility calculated the days/date and called me to relay the info. i'm in MI and it was explained that Medicare covers the first 20 days. After that, Mom's "medigap" policy kicks in, where Medicare covers 80 percent and her medigap policy covers 20 percent. So, essentially, it's about 120 days before we'd be faced with paying out of pocket. Mom has more than $2,000 in assets, and i think MI was one of the last states to enforce the 5-year 'look-back' rule to determine Medicare contribution. So i'm praying her rehab will go very well [she's trying so very hard to recover from her shoulder replacement] and come home well before then. With a few adjustments for 31-day months, her 6 day hospital stay, the 4-months' of insurance coverage would take her to sometime around Thanksgiving. i got the call from the NH/Rehab facility's business office: could you call the admin office and ask the question? If there is a secondary policy, they are already aware of the Medicare coverage, and they would be able to advise you also. i'm glad to know up front, with time in advance, so that i can be preparing any modifications to the home [grab bars, etc] to ensure she can come home. i've been cautioned about a 'home inspection." When released, she's to get home therapy, as well, so i'm especially eager to have her home, so long as she can climb stairs safely. She and her spirit will thrive at home!
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When my uncle was in skilled nursing, after the allotted time, he was kept on a week to week basis depending if he was still making progress, showing improvement. Once he reached his plateau then told me that medicare would no longer pay the costs. The social worker and physical therapist kept me posted on his progress. Once he declined therapy 2x in one week, he was done. Would definitely talk to his social worker. You can call on the phone to find out this information.
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If you are her financial poa, you could look it up online, perhaps, on her Medicare and insurance online account activity or summary.
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Ask the facility. They should know.
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Ask your insurance company or read the policy.
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