What will Medicare cover at the nursing home?
Most people think that Medicare will pay the entire bill at the nursing home or will at least pay the entire bill for the first 90 or 100 days.
This is NOT true.
Medicare will pay the entire bill at the nursing home for the first 20 days.
During days 21-100, if you are still Medicare eligible, Medicare will pay the entire bill except for $185.50/day. You are responsible for the $185.50/day. This is called the “Medicare co-pay” but most people have a supplemental health insurance policy that pays this co-pay.
The nursing home is required to give you a written notice that your Medicare coverage will be ending, but the applicant has the right to appeal this decision.
Medicare coverage should continue if there is a "need for skilled medical care."