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I kow that when my Mom refused physical and occupational therapy, Medicare would not pay for speech therapy alone--it had to be coupled with either physical therapy or occupational therapy.
Take care of yourself. {{{HUGS}}}
It does sound as though something was happening. Makes me wonder if your Mom might have developed some brain incident no one knew about to make her decline so rapidly. The difficulty swallowing would fit right into that as would the headaches.
Of course the place will have answers or excuses for you, and of course there is no way to judge really if they are truth or not. They will say they were not equipped to care for her or some such.
I am sorry for your grief. And for the uncertainty which makes it more difficult. I hope you can soon celebrate the times that were good for her, and be at peace that she is now at peace.