“Up to 100 days” of coverage for rehabilitation does not guarantee 100 days.

“Up to 100 days” of coverage for rehabilitation does not guarantee 100 days. Up to 100 days of coverage rarely means 100 days. Often insurers discontinue therapy benefits after 2 to 8 weeks. They might say the patient has “plateaued” in treatment, not showing measurable improvement on a weekly basis. However the correct legal standard is aslong as the patient shows improvement or the therapy prevents deterioration.

Many times therapy ends before it should. When Medicare therapy ends, if the resident stays in rehab or in a nursing home, then she must pay privately or, if assets are low enough, then go on Medicaid.

Going directly home from the hospital could limit future opportunities. A hospital patient who goes home is still entitled to physical and occupational therapy at home but, if this is not enough and it is necessary later to request nursing home placement, this can be more difficult than an admission from a hospital. Also, the applicant would pay privately from the beginning of his or her stay at a nursing home.