When someone has been prescribed medially necessary skilled nursing, here is what is covered (when provided by a Medicare approved provider):
1. Semi-private Room (a room you share with other patients)
2. Meals
3. Skilled Nursing Care
4. Physical Therapy*
4. Occupational Therapy*
5. Speech-Language Pathology Services*
6. Medical Social Services
7. Medications
8. Medical Supplies and Equipment Used in Facility
9. Ambulance Transportation (when other transportation endangers health) to the nearest supplier of needed services that aren’t available at the SNF
10. Dietary Counseling
When re-habilitative care is prescribed, medicare provides coverage for 100 days. The first 20 days at 100% and the next 80 days are subject to co-pays. Medigap insurance usually will provide benefits equal to the co-pays.
Benefits after 100 days are "out-of pocket" and usually quite expensive. Long . Term Care policies are often purchased to provide benefits after the 100 days of coverage provided by Medicare.
Skilled Nursing Care is covered under Medicare Part A and can only follow at least a three day stay in a hospital. Skilled Nursing Care is rehab, the goal at a Skilled Nursing Facility is to get you better so you can come home. Medicare covers Skilled Nursing Care at 100% for the first 20 days. If your doctor thinks you should stay longer than 20 days Medicare starts charging a co-pay of $157.50 per day for days 21-100. Skilled Nursing Care should not be confused with Long Term Care because Medicare will only allow you to stay up to 100 days in a Skilled Nursing Facility. Be sure your Medicare Supplement policy covers the additional days (21-100) in a Skilled Nursing Facility.
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1. Semi-private Room (a room you share with other patients)
2. Meals
3. Skilled Nursing Care
4. Physical Therapy*
4. Occupational Therapy*
5. Speech-Language Pathology Services*
6. Medical Social Services
7. Medications
8. Medical Supplies and Equipment Used in Facility
9. Ambulance Transportation (when other transportation endangers health) to the nearest supplier of needed services that aren’t available at the SNF
10. Dietary Counseling
*If prescribed to meet your health goals
Benefits after 100 days are "out-of pocket" and usually quite expensive. Long . Term Care policies are often purchased to provide benefits after the 100 days of coverage provided by Medicare.