09/01/2026
Another five-star review. And a Medicare lesson families need to hear.
A client recently found himself in a very vulnerable position. During a rehabilitation stay, a change in coverage from Medicare Advantage to Original Medicare only, without supplemental coverage in place. The change was recommended by the rehab facility.
That can be a big deal!
Original Medicare provides important coverage. But on its own, there is no yearly limit on what a person may pay out of pocket. For most Part B services, after the deductible, the member generally pays 20% of the Medicare-approved amount.
In the event of a serious illness, injury, surgery, or ongoing treatment, those costs can add up quickly.
Stop for a minute and think worse case scenario. Paying 20% with no cap!
Before a Medicare Advantage plan is ended, or any Medicare coverage change is made during a hospital or rehab stay, pause and ask:
• What coverage will replace it?
• Can a Medicare Supplement policy be approved now?
• Who will pay the remaining Part A and Part B costs?
• What are the financial consequences of this decision?
A facility may have its own coverage requirements, but the patient and family deserve to understand the full impact before any change is made.
Do not wait until the bills arrive to learn what the change meant.
If you or someone you love is in rehab and facing a Medicare coverage decision, get clear answers before agreeing to anything.
