My mother is 91 and has been in and out of rehab this year and last for therapy. In April she severely broke her ankle and is in rehab for therapy. Medicare has paid the last 100 days and stopped. She needs to remain in rehab for therapy but I have no way to pay for the room. Her insurance will continue to pay for her therapy but I need help to cover paying for her room. What are her options? I've taken care of my mom these last few years and have spent both her's and my savings, insurance and sold assets. Can she get both Medicare and Medicaid without dropping Medicare or her private insurance? Is there another option for her? She's unable to be at home with home health. Any ideas are appreciated.
Since 100 days of Medicare are done (for now), then your Mom needs to pay for her stay at the nursing home. If your Mom hasn't applied for Medicaid , then she needs to especially since you "used up spent both hers and my savings, insurance and sold assets". Unfortunately many elderly people and their families are in the same situation where they don't have the funds to pay for nursing homes yet the elderly person can not be taken care of at home. Sorry that I don't have better advise for you.
Ask the social worker if she can help with other options. The only experience I have with a similar situation involved other, long term care issues, so I don't have much to offer in the way of suggestions.
Afternoon postings seem to slow down, but I'm sure someone will respond later in the evening to help you out.
In the meantime though, ask the social worker to help you with a Medicaid application.