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You might get some insight from an article on this site, “Spending Down” for Medicaid: One Caregiver’s Personal Journey.
Also, this is not cardiac rehab. He had a cardiac arrest after becoming septic.
He did not have a heart attack. He needs rehab for lack of mobility after being in the hospital for so long. He also has had an above the knee amputation.
So that, for instance, a person may have rehab after a stroke and stay in hospital for 3 days then rehab for 60 more days. This counts as one benefit "period" in the eyes of Medicare. Now if they get, say, a stroke in another few months and again require rehab there may be problems in coverage.
Medicare pays for "benefit period" which I think is 90 days starting with first day of hospitalization. Then you start to tap into "lifetime reserve" number of days that qualify for rehab payment by medicare. How many that is I don't know and once they are gone I have no idea what happens either!
Much may also depend on whether there is an advantage program in place or other supplemental insurance, and you should check with the carrier your loved one has for supplemental insurance or advantage plan.
If there is no coverage for cardiac rehab, do understand that most rehab for cardiac issues is not inpatient care. There has to be something other going on to require in facility care.
This all gets very complicated.
I would call Medicare at 1 800 Medicare and check on coverage. You will wait a long time on the phone but they are often very helpful once you get them.
I wish you best of luck. I think without coverage this is virtually unaffordable.