What you should know about Medicare Skilled Care Merrillville IN:
Many people have questions about what Medicare does and doesn’t cover when it comes to skilled nursing care. The first thing you need to know is that the skilled nursing facility you select must be certified by Medicare. Medicare covers the stay in a skilled nursing when and if all the following conditions are met.
First, you must have Medicare Part A (hospital insurance) with days left in your benefit period. You have to have a qualifying hospital stay, which means an inpatient stay of 3 or more days.
Your doctor has to order the skilled nursing services. The care requires the skills of registered nurses, LPNs, a physical therapist, an occupational therapist, or speech therapist. You qualify if you need the care on a daily basis, and the care has to be on an inpatient basis.
You will also qualify for Medicare coverage if you need the skilled nursing services for a condition that was treated during a 3 day (or longer) hospital stay, or started while you were getting skilled nursing care for something else.
Lastly, the services you’re receiving must be reasonable and necessary for your diagnosis.
The amount of your care that Medicare covers depends on how long your stay is. If you are in a skilled nursing facility for 1-20 days, Medicare covers the full cost. Then the coverage decreases from there the longer you stay. If you have a Medigap policy or a Medicare Advantage plan, you may be covered for more of the cost.