Anecdotal information only is all that is available to me on this inquiry. One case where I live involved a resident with a fall injury who fell into the three day in the hospital Medicare requirement. This resident was discharged to a lengthy stay in our nursing home unit. The Class A contract covered the shortfall from the Medicare coverage, and the figure was significant.
Since I'm not a lawyer, I can't comment on types of contracts and what they cover.
That is a good question, so thank you.
Maura Conry