Wendy,

I'm going to try to tackle this alittle bit.

First, which insurance are we talking:
- Homeowner's - since you were injured at home and can/should be able to receive some injury coverage from that; you should explore that avenue for use also - even if just secondary coverage.

- Personal Health, which is what everyone usually goes to as first use, when they have to go to hospital for care anyway.

The issue about Rehab - Acute vs Subacute - or Inpatient vs Outpatient - boils down to many guidelines set forth by the insurance companies in cahoots with guidelines along pathways set out by Medicare/Medicaid, and other sources; Physical therapists and Occupational Therapists could give you a litany of what those guidelines are.

The scheduling can be setup as outpatient with numerous visits, or set times per week - the insurance companies like to put set numbers of visits out there so they don't have to pay out too much - its their way to limit their costs and keep more monies ( I know thats a harsh statement but they are into making money really, not patient care actually).

Now, here's what is needed - YOUR doctor has to become very proactive and aggressive with your needs at the forefront - you have to become (with your husband's help) very proactive; and begin your appeal process . Your therapists have to assist you in building your case, pointing out all your deficits and showing where INPATIENT Rehab will better benefit you - and your Doc will have to write a very pointed letter supporting that viewpoint directing them (the insurer) in that direction.

The other avenue that your therapists, your Doc and you can take is to begin preparing to appeal for more Outpatient visits to Rehab, repeatedly until your Doc , and therapists are satisfied you are clear; appealing over and over.........its a repetitive, aggravating process, sadly - but does happen at times and the insurer does approve at times, so you continue coverage.

Its not over - their reviewer will have to then re-evaluate all that information , and your situation, and probably visit you and see if they agree - prepare for that. It will take time, and patience.

This cannot be the first time your therapists nor Doc have had to face this with Insurance companies - it happens frequently in hospital settings - but like they said, they don't usually see patients not go directly to Inpatient Rehab from hospital when its needed.

I hope this is helpful.

Best Wishes.............