My mom is being discharged to a rehab facility after her hospital stay. How many days will Medicare pay for, and what will we owe?
Answered by 4 licensed agents
Day 1-20: 100% Paid by Medicare, assuming you have paid your Part A Deductible for the benefit period.
Day 21- 100: You will pay a daily rate of $217 per day and Medicare covers the remaining amount for each day. If you had to stay day 21-100 it could add up to $17, 360 dollars that a beneficiary will need to pay for the remaining 80 days inside the skilled nursing facility.
Day 100+: Medicare pays 0
If your mom is on Medicare Advantage plan, she may have a co pay for days 1-20, and then it increases to the $217 per day at day 21-100. There are some Medicare Advantage plans that cover days 1-20 and others have a small co pay or cost share for the first 20 days.
If you mom is enrolled in a Medigap (Medicare Supplement), depending on the letter of the plan, will help cover costs up to day 100. Some plans will cover at 100%, some require other cost shares to be met (deductibles), and some Medigap plans have reduced per day cost for members enrolled in the plan.
It's important to understand what your mom's coverage is and how you can ensure she is protected and the gaps in coverage are addressed through one of a few options: Medicare Advantage, Medigap, or through a standalone policies designed to cover the gaps in coverage.
Answered by Steven Litzsinger on September 4, 2026
Broker Licensed in MO, AL, FL & 8 other states
With Original Medicare, Part A can cover "up to 100 days" in a skilled nursing facility during a benefit period, as long as she continues to meet Medicare's requirements for skilled care. In 2026 for example, days 1–20 are $0 per day, and days 21–100 have a $217 daily coinsurance. After day 100, Medicare no longer pays for that skilled nursing facility stay.
If she has a Medicare Advantage plan, the copays and rules may be different by provider.
This is one of those situations where I recommend calling me before making assumptions about what will be covered. We can review her plan, the rehab facility, and what you should expect to pay. I will not leave you to solving this on your own.
Answered by Brett Johnson on September 3, 2026
Agent Licensed in CA, AZ, GA & NV
Answered by Sandra Teel on September 4, 2026
Broker Licensed in WV, AZ, CA & 13 other states
Answered by Deandra Santeramo on September 4, 2026
Agent Licensed in FL
Tags: Advice for Caretakers Coverage Medicare Part A
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