Do you know how expensive rehab care is?

Montegut
Sat, 06 Apr 2013 13:07:24 +0000

My mother’s first rehab stay was similar to this. Oh, she’ll only need to stay there a certain number of days. If your mother is on Medicare and has a Medicare Supplement, the facility will likely keep her for the amount of time they will be paid, which is usually 28 days, I believe. After that, you will have to pay the copay, which is what Medicare won’t pay, which usually amounts to about 125/day. If she has no Medicare supplement, that may be where you’re getting the 350. If your mom has Medicare Supplement F, she can have up to 180 days paid by the Medicare supplement with no copay.

While they have to have a valid reason to keep your mom, the facilities will get their Medicare pay for as long as they can.

Once your Medicare supplement expires, and you have to pay the 125 co pay, you will be surprised how fast your mother is ready to go home. Most places do not want to keep someone over the 28 days because they don’t want to worry about billing private people.

As for assisted living, I would really recommend going straight into SNF and work on getting her qualified for Medicaid. We spent all my mom’s money on ALF, and now we’re spending the last of her money down in SNF, with the hopes she will expire before her funds are spent down. She’s no where near expiring, but she’s also no where near qualifying for Medicaid.

As for having her live at home, if she has a home and you have a trustworthy caretaker, you may consider that. We never had that option, as my mother lost her home in Katrina.

But I did recently go through caretakers at home with my FIL while in hospice, and he went through about 10K in one month’s time, which we are now having to pay off from his estate.

Like the Who said, Hope I die before I get old.