KOT1 TASK 2
Medicare part A is the hospital insurance and it will pay your mother's hospital bill one hundred percent because she has met the three day minimum hospital stay criteria. That cost will include room and board and services such as lab work, any therapy she may have received during her stay as well as pharmacy. Since your mother also has Medicare part B which is the medical insurance, part B will pay eighty percent of the physician’s services as long as her annual deductable has been paid. Unless your mom has supplemental insurance coverage also known as Medigap insurance, she will be financially responsible for the twenty percent that part B Medicare does not cover. A Medicare supplement referred to as (Medigap) insurance, sold by private insurance companies, can help pay some of the costs that Medicare doesn't cover. Medicare.gov[11/04/12]www.medicare.gov/supplement-other-insurance/medigap/whatsmedigap.htm. A couple of examples of Medigap insurance companies are AARP, Humana, and Agis. You will have to pay the private insurance company a monthly premium for your Medigap policy just as you would any insurance policy. Keep in mind that premium will be in addition to the monthly Part B premium that you pay to Medicare. In order to qualify you must have Medicare part A and B. That maybe something you and your mother may want to look into.
Regarding her moving to the skilled nursing facility, the cost will be covered by Medicare one hundred percent the first twenty days. After a hospital stay of at least three days, your mother's stay in a Medicare-certified Skilled Nursing Center can be covered at 100% for the first 20 days. For the next 80 days, if your mother had to stay that long Medicare Part A covers everything except the daily coinsurance. I'm sorry no one informed either of you that your mother got an infection while at the nursing facility. That information should have been disclosed to the both of you. Unfortunately because...
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