Question

Mrs. Shields is covered by original medicare. She sustained a hip fracture and is being successfully treated for that condition. However, she and her physicians feel that after her lengthy hospital stay she will need a month or two of nursing and rehabilitative care. What should you tell them about original medicare’s coverage of care in a skilled nursing facility?.

Answer 1

Medicare will cover Mrs. Schmidt's skilled nursing services provided during the first 20 days of her stay, after which she would have a coinsurance until she has been in the facility for 100 days.

What is coinsurance?

Coinsurance, which normally applies after your deductible has been met, is a portion of a medical payment that you are responsible for paying. Your health insurance plan will cover the remaining amount. For instance, if your coinsurance is 20%, you would be responsible for paying 20% of each medical cost, with your health insurance covering the remaining 80%.

The following home health care services are covered in full by Medicare: part-time skilled nursing care, typically provided in a plan with two to three visits each week.

For more information regarding coinsurance, visit:

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