I have seen this happen in NJ with a couple of my Medicare Advantage clients. Instead of being charged $220 a day for 2 days they were billed 20% of the Medicare approved amount, which was a lot more than $440.
As far as going into a Nursing Home in the NBC scenario, how would LTCI help? I do not think there are any plans with first day coverage and if there were, I am sure they would be quite expensive.
