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I have never heard that Medicare and a suppliment pay more than billed. But then, I maybe wrong.
I realize this is a special situation. I am just trying to understand if this is ethical or customary.
To answer ur question to me. The 100 days that Medicare allows is not a given. Medicare monitors the care of the patient in rehab. There is criteria that has to be met for Medicare to continue to pay. If the person meets a plateau and no further therapy will help, then Medicare says they need to be discharged and won't pay for any continued care. So if 24/7 care is suggested, its either transition the patient to LTC private paying or Medicaid, taking home to care for them or hire caregivers.
I haven't seen a rehab bill in years but because of how billing is done between Medicare and supplimentals I just can't see them overpaying. Lets say:
$300 is the daily rate
150 50% Medicare pays, that leaves 150 left over that the
supplimental may pay. And since the supplimental doesn't
pay until they see what Medicare pays, I don't see where
they would pay more.
I handled my Moms Medicare and supplimental for years and mine too. I have never seen an overpayment. Like Worried said, if a facility or Dr gets overpaid its their obligation to pay it back. I would be surprised that the next payment to the home in your Moms name doesn't have that overage amount deducted.