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She really isn’t ready as she still can’t transfer on her own from bed to wheelchair, but they say she needs to go because of the 90 days.

So you should have until August 27th to find something. Try findhelp.org, enter your/Mom's zip code, click on Care then Residential Care to find nearby assisted living, in-home, and nursing home resources.

Medicare will cover some in-home care if Mom requires a nurse for her care (think wound dressing or infusions).

Also, call your County/State Aging office to see what resources may be available to help pay for care.
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Reply to ravensdottir
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I assume this is Rehab. With traditional Medicare they pay 100% the first 20 days, 21 to 100 days 50%. The other 50% is Moms responsibility unless she has a very good supplimental. Anytime within those 100 days she can be discharged. If Mom has already been in those 100 days, Medicare will no longer pay. If she is now 24/7 care you can't provide that care for her at home or she can't afford to hire aides, she will need to go into LTC paying out of pocket. If she has no money than Medicaid will need to be applied for.

If your Mom has reached the 100 days, any day after that she will pay for. They may even ask for her Social Security check and pension if she has one, to pay for her care. You need to talk to the SW and make plans. If the Rehab does not have LTC attached to it and Mom needs 24/7 care and she can't set that up in her home, you will need to transfer her to what she can afford. An Assisted living is private pay. Longterm care, if she can't pay privately you will need to apply for Medicaid. Seems like your down to the nitty gritty. Decisions need to be made now.
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Reply to JoAnn29
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She will need to self pay if she has used all of her annual benefits or you will need to look into transferring her to long term care, which is self pay until she meets the financial and medical requirements for her state to be eligible for medicaid.

Insurance is not going to pay to keep her until there is a goal met that has not been met in 90 days. I am guessing that her transferring herself is a "used to be" baseline and now it is no longer. She will probably never be able to do that again.

You can request an extension of coverage and do a discharge appeal but, you really should have a plan B. The odds of either choice being successful are pretty slim.
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Reply to Isthisrealyreal
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