What to Expect if a Relative Goes Into a Nursing Home

My eighty-eight year old father-in-law recently fell at home, (he was by himself), and broke his hip.  

Unfortunately, his Life Alert alarm was in his nightstand drawer, and his fall took place in his living room. It took him two hours to make it to a phone. He called his daughter and son (who lived about twenty minutes away), to come over and help him BUT, unfortunately once they got there, neither of them had a key to his house. When they both arrived, they both came prepared with screwdrivers in hand, hoping to find a window that they could budge.

To make a long story short, they were able to crawl in through an unlocked window and call an ambulance. At the hospital, it was determined that his right hip was broken. He ended up having surgery that night, where he had a rod and three screws placed. After surgery, he was transferred to the ICU, (Intensive Care Unit), then shortly moved to a regular room. He ended up staying four days in the hospital, then he was transferred to a SNF, (Skilled Nursing Facility), for rehabilitation. At this point, his insurance covered his first twenty days in rehab.

Situation	Is my SNF stay covered?
You came to the Emergency Department (ED) and were formally admitted to the hospital with a doctor’s order as an inpatient for 3 days. You were discharged on the 4th day.	Yes. You met the 3-day inpatient hospital stay requirement for a covered SNF stay.
You came to the ED and spent one day getting observation services. Then, you were formally admitted to the hospital as an inpatient for 2 more days.	No. Even though you spent 3 days in the hospital, you were considered an outpatient while getting ED and observation services. These days don’t count toward the 3-day inpatient hospital stay requirement.

Now, this is where it gets tricky.  His orthopedic surgeon told him that due to the severity of his break, he would have to remain completely non-weight bearing on his broken hip, for up to four months. According to Medicare guidelines, they will only pay the first twenty days of rehab. After that, if you don't have a supplemental that picks up the balances, (he has Vetrans insurance), you are reponsible for $161.00/day for days 21-100.  This is exactly where he fell; paying $161.00/day.

Your costs in Original Medicare

You pay:

• Days 1–20: $0 for each benefit period.

• Days 21–100: $161 coinsurance per day of each benefit period.

• Days 101 and beyond: all costs.

Medicare Guidelines

Thankfully, he was able to go home after about two weeks of paying $161.00/day. His daughter was able to make arrangements for caregivers to be with him basically 24 hours/day. It's actually costing more than the SNF for now, but he is at home and mentally doing much better. 

If you are of Medicare age, or have parents or relatives that have Medicare, PLEASE take the time to review your supplemental insuance policies. It was quite shocking to find out how much money a serious injury can cost you, and not all people are prepared for this expense. You may even need to talk to your insurance agent to see if there are any supplemental policies that cover instances like this.