Since your are still employed, I would call your primary Insurance Company and run it by them. I would want to know where I stood before I went to Rehab. In my experience, it is the Rehab that does a predetermination of your health insurance. Your primary insurance will be called to see what they pay and then Medicare. You will be given the information when your admitted to what will be paid and what your out of pocket will be. Then you sign saying you are the responsible party for payment.
If you were on Straight Medicare with a supplemental, the first 20days would be 100% paid by Medicare. 21 days to 100 Medicare only pays 50%. You are responsible for the other 50%. If you have a good supplemental they may pay the 50% or even partial.
But, your still working using your employers insurance. I have no idea how it works. So call your primary carrier.
IF your MD orders rehab after your surgery it should be covered by Medicare. Discuss with Social Services before leaving the hospital for the rehab. They will tell you the amount covered. Your supplemental may help if needed. My friend was in rehab after hip surgery for a week. Her surgery was complicated by her need for bilateral braces due to instep collapse in feet. Another friend got PT at home, unfortunately overdid it and now is on bedrest with some in home support. So each case is quite variable and unique to you as your own thumbprint.
You will need to tell your doctor that you live alone and would like a few days in a rehab facility if that is your wish, and yes Medicare and your insurance from your job should cover it if the doctor orders it. But I will tell you that I had my left hip replaced(posterior)in March 2018, while caring for my husband with vascular dementia, and they sent me home the very next day. Thankfully my daughter was able to stay with me for a few days, but after that I was on my own, to take of myself and my husband, while not being able to bend over much. They will have you up walking the very same day of your surgery and hopefully you will do really well, and hopefully it will be the anterior surgery as that is much easier to recover from. So if you'll feel better going to a rehab center after your surgery, you best speak up now so things are set in place for you before the day of your surgery. You're going to do great!
Check with the insurance you have. I presume you have Employers Insurance and Medicare is Secondary. It is a good idea to check out what is covered. Often short term Rehab is better done at home if you are able to do so. (It may depend on the way the surgery is done there are anterior and posterior surgical sites and it may make a difference in recovery.) I would make a call to your employee insurance company tomorrow. Also a call to your doctors office and ask what equipment you will need and have that pre ordered (most DME (durable medical equipment) is covered and it can be delivered. suggestions: If you do not have ADA height toilet get a riser seat with "arms" to make getting on and off the toilet easier. Get a shower bench or chair. Some items can be on loan, check your Senior Center they may have a "Lending Closet" Things like canes, walkers are often loaned out.
If you were on Straight Medicare with a supplemental, the first 20days would be 100% paid by Medicare. 21 days to 100 Medicare only pays 50%. You are responsible for the other 50%. If you have a good supplemental they may pay the 50% or even partial.
But, your still working using your employers insurance. I have no idea how it works. So call your primary carrier.
But I will tell you that I had my left hip replaced(posterior)in March 2018, while caring for my husband with vascular dementia, and they sent me home the very next day. Thankfully my daughter was able to stay with me for a few days, but after that I was on my own, to take of myself and my husband, while not being able to bend over much.
They will have you up walking the very same day of your surgery and hopefully you will do really well, and hopefully it will be the anterior surgery as that is much easier to recover from.
So if you'll feel better going to a rehab center after your surgery, you best speak up now so things are set in place for you before the day of your surgery.
You're going to do great!
It is a good idea to check out what is covered.
Often short term Rehab is better done at home if you are able to do so.
(It may depend on the way the surgery is done there are anterior and posterior surgical sites and it may make a difference in recovery.)
I would make a call to your employee insurance company tomorrow.
Also a call to your doctors office and ask what equipment you will need and have that pre ordered (most DME (durable medical equipment) is covered and it can be delivered.
suggestions:
If you do not have ADA height toilet get a riser seat with "arms" to make getting on and off the toilet easier.
Get a shower bench or chair.
Some items can be on loan, check your Senior Center they may have a "Lending Closet" Things like canes, walkers are often loaned out.