Merritt Personal Lines Manual: Extended Care Coverage

Extended Care Facility. The insured expenses for each day of confinement in an extended care facility are the regular and customary charges, not to exceed 60% of the semi-private room and board charge of the hospital which discharged the insured person. Coverage can not exceed 30 days for any one injury or sickness.

The extended care facility confinement must begin within 14 days of a hospital confinement of three days or more; be for the treatment of the same injury or sickness which required the hospital confinement; and be authorized by and under the direction of a physician or surgeon.

Benefits are provided for the regular and customary charges made for confinement in an extended care facility. But this coverage is limited to 60 percent of the semi-private room and board rate charged by the hospital that discharged the insured and coverage may not exceed 30 days for any one injury or sickness.

In order for this coverage to apply, confinement in an extended care facility must begin within 14 days after a hospital confinement of three days or more, must be for treatment of the same injury or sickness and must be authorized by a physician or surgeon.