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After that your dad will be responsible for 50 percent of the daily amount from days 21 to 100.
He is covered for 100 days, but only the first 20 days are covered at 100 percent.
I am going through this with my dad. Just got first bill for days not covered at 100 percent.
It adds up quick.
Even though he was approved for additional rehab past 20 days, in fact it was recommended by the facility, bills mounted up quickly because only a portion was covered.
Now with catching Covid while he was in rehab, you may have some recourse. Could he be moved to a hospital where he would be covered by insurance due to being a medical patient, not a rehab patient?
Might be the best course of action.
In the past I have spent hours on the phone with his insurance just getting more and more frustrated. I think things are settled and then find out they aren't.
I am appalled that the rehab facility will even consider charging us full price for days my father had to spend there because he caught the virus in their facility.
You don't even know where to look for answers because everyone I have dealt with in the past has given me bad info. I'm just going to wait until the hospital tells me what the ling term outlook is for my father then ask for one of their social workers to work on a solution that we can all live with.
I suspect none of the major insurance providers Customer service reps will even be able to give you the same answer about coverage during Covid twice.
You can periodically go to the insurance Provider’s website for the “latest” guidelines. An early action was waiving copays & deductibles for C19 in the acute phase but as far as follow up, it’s a work in progress.
Then if you don’t agree with their decision appeal it. You have a pretty good case to prevail. Not your LO’s fault he and you were confronted with a major pandemic after all.
Good luck to you and I bet it all works out!