Medicare limits treatment in a skilled nursing facility to 100 days per year. If Medicare is your primary coverage, this plan covers your first 100 days in a skilled nursing facility as your secondary insurer. Those 100 days count against the 150-day maximum allowed by the plan.

After you have reached your Medicare maximum of 100 days, this plan covers an additional 50 days only if services are preauthorized, medically necessary, and meet Medicare criteria for skilled nursing facility coverage.