10/24/2026
🚨 BEFORE YOU LEAVE THE HOSPITAL FOR REHAB, KNOW YOUR MEDICARE RIGHTS!
📢 Medicare Advantage members: Please read this!
I’m hearing concerns about patients leaving the hospital for rehabilitation and being told things like:
❌ “Your Medicare Advantage plan won’t cover you.”
❌ “You need to switch back to Original Medicare.”
❌ “We can’t accept you because you might need more than 20 days of rehabilitation.”
Let’s clear up some confusion!
✅ Medicare coverage is NOT automatically limited to 20 days of rehabilitation.
Under Original Medicare, eligible patients may receive up to 100 days of skilled nursing facility care during a benefit period, provided they meet Medicare’s coverage requirements.
✅ Having a Medicare Advantage plan does NOT automatically disqualify you from rehabilitation.
Medicare Advantage plans cover eligible skilled nursing facility care, subject to the plan’s requirements. Network restrictions, prior authorization, medical necessity, and other plan rules may apply.
✅ You do NOT automatically have to switch back to Original Medicare to receive rehabilitation.
Before making any changes to your Medicare coverage, verify your benefits directly with your insurance company.
🏥 WHAT SHOULD YOU DO IF YOU’RE TOLD YOUR PLAN WON’T COVER REHAB?
1️⃣ Ask whether the facility accepts your specific Medicare Advantage plan.
2️⃣ Call your insurance company to verify your skilled nursing facility benefits and any authorization requirements.
3️⃣ Ask the hospital discharge planner to help identify facilities that participate in your plan.
4️⃣ Do not switch Medicare coverage based solely on verbal information without understanding your options and potential costs.
❤️ Your Medicare coverage matters, especially when you’re recovering from a hospital stay.
As an independent Medicare broker serving the Binghamton area, I believe patients and families deserve clear, accurate information so they can make informed decisions about their healthcare.
📞 Have questions about your Medicare Advantage plan or rehabilitation benefits?
Call me at 607 245-9520. I’ll help you understand your coverage and the questions you should ask.
📌 Please SHARE this post! A family member or friend may need this information when leaving the hospital.
This information is educational and does not guarantee coverage for any individual. Benefits, eligibility, network participation, and authorization requirements vary by plan.
