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struggling1 Asked September 2019

Medicare and nursing home/rehab?

Hi,
Anyone know the ins and outs of Medicare when it comes to nursing home or a rehab? What does insurance cover before they come after her soc sec, etc? I heard it was the 1st 90 days? What if she AMA's herself like she does from hospitals? Can she even do that?


She's not nuts, she's nasty, and has all her marbles- especially a mouth, a foul mouth. The problems with her are daily, endless and real eye rollers. Not so much illness, more like aging issues, but she is a trouble maker to the core. She's 91 and as sharp as a tack!


Dx is Paranoid Narcissist and she has perfected it. Been this way from day all her life. Along with obese and nocturnal.


This week she got some scam email about a short term loan and believe I have taken out a loan in her name. She printed it and called police to have me arrested for bank fraud. Nothing came of it- but- once again I had to face questions etc. Never mind her rath.


Now that she is receiving home nursing/pt/ot I'm just wondering how long it will be before they come to me and either suggest a rehab or no longer able to live alone and how it all happens from there. Truth be told, if they scooped her up and placed her in a nursing facility for a month, might just curb her mouth after a month! Any one know anything? I'm just trying to brace myself for what could come. Only child.

Geaton777 Sep 2019
Agree with BarbBrooklyn. Let the county get guardianship of her. They will place her in a facility where she will receive the care she needs, is not a danger to herself or others and you can visit her there and then leave to live your life in peace.

JoAnn29 Sep 2019
Usually rehab is done after at least a 3 day hospital stay. Lets say this happens. Mom goes to rehab, Medicare pays for the first 20 days. Now if therapy is only to get her up and moving 20days should be enough. the 21 to 100 Medicare pays 50%. With my Moms supplimental she paid $150 a day. This equals 12k if she is there the whole 100days. Her stay is determined by Medicare based on her progress. If you feel Mom can't afford the days after the first 20, you need to tell the in take person this so a Medicaid application can be open. Mom being in rehab may be the time to have her evaluated to see if she needs 24/7 care. If so, if the rehab has a NH side, she can be transferred there. That way its not really ur decision.

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BarbBrooklyn Sep 2019
If your mother had a 3 night qualifying stay and was sent to rehab by a doctor, Medicare will pay for 20 days in full IF shes making progress. If she is still progressing, there is a copay for days 21-100. Many supplements will pay that copay.

If they want to discharge her from Medicare covered care and say she ca no longer live alone, tell them that she will be unsafe at home and that NO she cannot live with you. She can apply for Medicaid. She can also become a ward of the state.

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