Medicare Coverage for Stroke Victims & Rehabilitation


Medicare coverage is available for stroke victims. With a stroke comes plenty of side effects. Medicare coverage includes both inpatient and outpatient care. Medicare can cover rehab services to help you regain normalcy in life. Also, Medicare covers any Durable Medical Equipment you may need to use because of your stroke.

What Does Medicare Pay for After a Stroke?

Part A will cover any inpatient rehab you may need after your stroke. Your doctor must deem that rehabilitation is medically necessary for treating you following the stroke. There are deductibles, coinsurances, and limits to the number of days you can spend in the hospital when Medicare is your only insurance.

Will Medicare Pay for Skilled Nursing Facility for Stroke Patients?

Medicare will cover Skilled Nursing Care that you might need following your stroke. To qualify, you’ll need to meet Skilled Nursing Facility requirements just like any other patient. Costs for SNF care are the same for stroke victims as for anyone else in need of those services.

Will Medicare Pay for Long-Term Care Facilities for Stroke Patients?

Your doctor may decide that you need long-term care following your stroke if your health takes a turn for the worse. Medicare won’t cover Long-Term Care if it’s the only kind of care you need.

Medicare won’t usually cover this service because care consists of bathing, feeding, and using the restroom. They’re not considered medical care services.

Will Medicare Cover Walkers for Stroke Patients?

As with other pieces of medical equipment, Part B will cover necessary walkers. Your walker will need a prescription from your doctor.

The most popular kinds of walkers following a stroke are 2-wheel and 4-wheel walkers, Medicare will cover a portion of the cost for either.

Does Medicare Advantage Cover Stroke Patients?

There are Medicare Advantage Chronic Care Special Needs Plans specifically for Stroke survivors. If one of these plans is available in your area, this could be an option for you if you don’t qualify for a Medigap plan.

Before choosing to enroll in a Medicare Advantage plan, there are a few things to consider; are your doctors, hospitals, and specialists in-network? Does the policy cover your pharmacy and drugs? And, just how much will a catastrophic event cost?

While some coverage is better than none, if you can fit Medigap into your budget, it’s highly recommended.

Will Medicare Supplement Plans Cover Stroke Patients?

Yes, Medicare Supplements will always cover the same thing services Medicare does. Therefore, a supplement plan will cover most, or all, of your cost-sharing after Medicare pays their portion.

What Are the Costs of Stroke Rehabilitation with Medicare?

The average cost of stroke rehabilitation comes to over $17,000 within your first year. Medications can cost over $5,000, while rehab will likely cost you more than $11,000.

With high prices like these, you’ll want to be sure that you have adequate insurance coverage. Medicare Supplement and Advantage policies are a great alternative to high out-of-pocket expenses.

FAQs

Will Medicare Cover Stroke Medications?
You can buy Part D or a Medicare Advantage policy to help you with drug costs. Before enrolling in a plan, it’s your responsibility to ensure your medications are on the plan formulary.
How long does Medicare pay for rehab after a stroke?
Medicare covers up to 90 days of inpatient rehab. You’ll need to meet your Part A deductible and cover coinsurance costs. After your 90 days, you’ll start using your lifetime reserve days.
How many outpatient occupational therapy sessions does Medicare allow post-stroke?
There is no cap on how many therapy sessions you can get following your stroke. But your doctor needs to prove that inpatient therapy sessions are necessary for you. Part B will cover physical therapy and occupational therapy treatments.
Does Medicare Pay for Physical Therapy After a Stroke?
Part B will cover physical therapy if a doctor says it’s medically necessary.

How Stroke Patients Can Get Medicare Coverage

Medigap plans can help reduce medical costs. Let our team of Medicare experts find the best rates and supplement plans for you. Call our licensed agents today for a free quote! Always remember, some insurance is better than no coverage. If you can’t call, fill out an online rate form to see the rates in your area today!

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

25 thoughts on “Medicare Coverage for Stroke Victims & Rehabilitation

  1. All the expertise advice has been an eye opener. Currently, both, my husband and I are enrolled in Medicare Advantage plan. My husband is 83 and I am 74. Fortunately, so far we have enjoyed good health. However, your expert advice, insight and wisdom has been very helpful to understand the difference between Medicare Advantage plan VS Medigap. Thank you.

  2. My father in-law at ninety had a heart attack and two strokes. He used his 100 days of skilled nursing facility and needs more speech and physical therapy. Does Medicare coverage for the nursing facility and therapy 100 day re-set at the beginning of the year.

    1. Jamie, great question. Medicare will cover 100 days of skilled nursing per benefit period. To renew a benefit period, your current period must end. Meaning he will need to be out of the hospital or skilled nursing facility for at least 60 days to reset his coverage.

  3. My husband suffered a brain stem stroke 8 months ago, he is conscious, but does not have many movements, he is bedridden, movements, he speaks very little, he does not have private insurance, he only has Medicare, we live in Melbourne. It must be said that we are out of Australia, we are stuck in Ecuador, we are doing everything possible to return. My question is what can Medicare cover for my husband once we get to Melbourne?

    1. Tania, if you are living outside of the United States and elect to keep Parts A and B, Medicare will typically not cover any care received abroad. Some Medigap plans will pay for emergency coverage abroad but are not meant to be primary coverage if you are living abroad full time.

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