So my father has private insurance. He gets it through my mother’s job. It’s good insurance they pay for the top tier. And yet we’re in trouble.
This is what the insurance allows for
Acute rehab : 60 days per year
Subacute rehab: 30 days per year
In house therapy sessions: 40 per year
Out patient physical therapy: 60 per year
So my father will run out of subacute rehab time June 27th and it costs $750 a day to keep him there, not including therapy. It’s $33 per 15 minutes and he needs OT, PT, and Speech and he should have minimum 45 minutes of each of them. He’s not ready to come home. He’s made great progress but they told us he needs to be monitored 24/7. He needs help transferring from wheel chair to anywhere. He can’t get in and out of anywhere or move is wheel chair and there are ten steps to get in and out of the house. But the rehab just sort of shrugged and told us oh well your problem now.
Solution #1 trying to get dad Medicaid.
He doesn’t qualify right now. He owns two properties. It doesn’t matter that he doesnt have much money in his bank account nor that will not be working for a long time. He doesn’t qualify. So now I have to meet with a lawyer to get everything transferred out of his name. But the earliest this will happen is August 1st.
Solution #2 get him transferred back to acute rehab (I have 37 days left there) but that involves getting the doctor therapists and acute rehab to all agree that that is warranted. That’s currently in the works.
He’s already been denied disability because apparently you can’t get disability if you work for yourself. Doesn’t matter that her brought ten years of taxes from him and his business. Just flat out denied.
So long story short: private insurance is a sess pit of suck, the government sucks, and the American health care system is severely lacking.