Skilled nursing care and physical therapy should be covered under your heath insuance, but it isn't jsut because the insuance companies don't want that responsibility.   Skilled nursing is heathcare, cover it.....

My Father is in a Skilled Nursinf Facility and as great medical insurace but it won't pay for his skilled nursing because he has alzheimers and doesn't show emouh improvement with the physical and occupational therapy. So his savings is now being drained at a rate of over $200 per day for his care until he qualifies fo...more