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A visit to a cardiologist is a good idea. Along with a finger pulse ox reader you can get at Walgreens to gauge her oxygen levels at any point during the day or night. They're very handy and inexpensive.
Best of luck to you.
O2 won't help fix the Afib. Which is different than helping with symptoms.
What medications does mom take daily? Does she have any swelling abdomen or ankles? Is it difficult for her to lay back and breathe? Does she have any lung complications? Does she have fluid on her lungs? Does she take diuretics? Has anyone ever examined her for or suggested she has congestive heart failure?
As I said, there are many things implicated in breathlessness, and I never had a doctor say that walking more would decrease it.
I think what is wanted here is a referral to a good cardiologist for an exam, an ultrasound of the heart. Perhaps an adjustment of medicatiosn.
As an old RN I am just doing guesswork here, but with atrial fib in good rate control with medications it should not cause a whole lot of breathlessness. Now some meds treating it (I take atenolol) may cause some breathlessness as a side effect. I have had atrial fib for almost two decades and walk a whole lot and feel good. My partner has had it even longer, has had a pacemaker at least two decades (while I have not). It is said that at least 15% of elders do eventually develop chronic atrial fib. Most live quite well with it in control of medication and medical supervision.
I sure do wish you the best. Do know we can't know your mom, her weight, her overall health, what meds she takes, her blood pressure, her heart rate, or much of anything else and anything we say is simple guesswork.
DO SEE A CARDIOLOGIST with your mom for a good workup and assessment. And do know that with an age of 95 she may be actually doing "pretty well" or as well as can be expected. Our organs, like the rest of us, age and weaken. We are a shadow of what we once were.
Hope you will update us.
I wish you the best of luck.