She lives at the nursing home. Physical therapy says that therapy won't help anymore. If she stays in the room she's in now, it will cost way above her means because Medicare won't pay for it. We have appealed therapy cutting her off because she was supposed to have it for another month.
You might be able to appeal and have therapy resumed.
But it sounds like the real issue here is how to afford Mom's NH room. Is she on Medicaid? Will she need to stay in the NH indefinitely, or was she intending to go home after the therapy?
Give us some more details and perhaps someone can address the cost issues specifically.
This is a common problem - that Medicare doesn't pay for long term care. Does she have assets? Have you talked her situation over with an Elder Law attorney?
Could she qualify for Medicaid?