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I'm guessing there may be exemptions to that rule, so I would look into that.
Since you have an email though verifying what they told you, you can always appeal it with both insurance companies and see what happens.
The rehab facility cannot come after you(though they may try)if you did not sign financial responsibility, so be careful when signing anything for your mom.
If you are her POA, then you should sign your name as is and then sign POA for and your moms name. That way only your mom will be held responsible.
I personally would try fighting this issue with both insurance companies before hiring a lawyer.
Have you actually spoken to a customer service rep at the pension's insurance fund to confirm any of this? Stop relying on second-hand information -- as you can see it isn't reliable. Get a copy of the policy provided by the pension fund and review it (an attorney would need this document anyway).
Re-read everything that you signed to be certain you did not sign as the responsible party.
Did you get IN WRITING that the insurance was contacted and pre-approved this care?
We can't know how you signed or as what. But this is your MOTHERS bill. If you are her POA you are responsible for paying her bills as her POA. This seems like something that you need to followup with with the office, the assurance you had of approval, and the insurance as well as looking at how you signed and for what. You may need to bring in an elder law attorney on this one, but there goes easily another 1K.
Medicare determines the length of time someone stays in Rehab, not Rehab.
Please, come back and tell us what happens.
My uncles insurance did not pay until the nursing home billed them after Medicare was final paid. As POA, I had to pay the $203 per day for days 21- 100 from his personal checking accoumt.. His PT ended on June 30 2024. After the facility billed Medicare, they billed his insurance and his insurance paid the entire 80 days at the end of August. The facility then applied that payment to his account and credited the previous payments that was from his personal payment.
I truly hope that's the case with your mother. Wishing you the best.