Certified Financial Consultant (CFC) Practice Exam

After hospitalization, in how many days will Medicare cover full benefits in a SNF?

1. 15 days

2. 20 days

3. 25 days

4. 30 days

The correct answer is: 20 days

Medicare covers full benefits in a skilled nursing facility (SNF) for up to 20 days following a qualifying hospital stay. This provision enables patients to receive necessary rehabilitative care after undergoing hospitalization for a specific medical condition, ensuring they have the support needed to recover and regain their independence. During the initial 20 days of skilled nursing care, Medicare typically pays 100% of the costs. However, after this duration, beneficiaries may incur some out-of-pocket expenses, as the coverage starts to change after day 20, where a daily copayment is required for the next period of care. Understanding the structure of Medicare coverage helps beneficiaries make informed decisions about their post-hospital care options, which can significantly impact their recovery and financial obligations.