Health Insurance anger

My 85 yo father has needed some life threatening surgery for weeks. The Drs found some serious reasons that he was unable to have surgery until they are resolved. Slowly he is getting better and now in a nursing home for 2 weeks of rehab. Now... after 5 days, the insurance company has notified the hospital and rehab center that they want him out Saturday. Both places have notified insurance that he is not ready yet. They don't care... time's up get out. [emoji35]

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Forgot to mention that insurance had approved him for 13 days. They only honored 5 of 13.

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Appeal straight to Medicare. We just went through that with my FIL.

Insurance companies are demanding more money for less coverage. Make them give him the health care he needs

IF he is progressing, medicare should cover up to 20 days.

SNF Care Coverage

I will investigate this further. Thank you all so much!

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"Medicare Part B generally covers physical therapy services. If you get physical therapy at the hospital, an outpatient center, or in your doctor’s office, Part B typically covers 80% of allowable charges after you meet your Part B deductible.

However, if you need physical therapy services at home, your Medicare Part A and/or Part B home health benefits may cover 100% of the allowable charges.

In the past, Medicare imposed an annual limit, or cap, on the amount of therapy services you could get in any calendar year. The costs for physical therapy, occupational therapy, and speech language pathology all contributed to your annual therapy cap. However, as of 2018, Congress eliminated the therapy caps."

There are a few ifs and buts, I got the above from here:

Does Medicare Cover Physical Therapy

I just noticed you said REHAB not therapy. Found this on rehab.

After you have been in a hospital for at least 3 days, Medicare will pay for inpatient rehab for up to 100 days in a benefit period. A benefit period starts when you go into the hospital. It ends when you have not received any hospital care or skilled nursing care for 60 days. Medicare pays for the first 20 days at 100%. For the next 80 days, you must pay a daily co-payment. Medicare does not pay for rehab after 100 days.


Found it here:

Summit Medical Group