Wow, that seems ridiculous to me. I can’t believe that they realistically expect your husband to stay in bed for 3 months. Able body people have rotator cuff surgery all the time and aren’t expected to stay in bed. Boy-staying in bed for 3 months can present a whole host of other problems like pressure sores and such for your husband.
I fear you are probably correct in your assessment that his insurance isn’t going to pay for either home care or a skilled facility because they will deem his needs as custodial aids of daily living, and they never pay for that stuff. But it seems like they should pay for the required equipment to help him through his recovery. I know of several paras that had this type of surgery, and they didn’t have to stay in bed. What they did have to do is rent power chairs, lifts, get hospital beds etc., whatever they needed in order to facilitate the recovery period. Have you tried this tactic with your insurance company? I know your husband won’t be able to use his manual chair or perform transfers but with a power chair and a lift perhaps he would be able to be out of bed. Most insurance companies will pay to rent certain prescribed equipment during a convalescent period.
You guys are in a tough position. It is difficult to plan when you don’t even know what you are planning for. I don’t know of any resources other than your insurance that will help cover the costs. If you can push really hard for some needed equipment perhaps family and friends can help out during the most critical time right after surgery.
I say all of this knowing that it will be difficult. My husband is a C3-C4 quad. We have all of this equipment, and he needs this kind of care daily. I know it is hard to find help but maybe since it is only short term people might step up. I guess another alternative is to hire an aid for a few hours a day during the initial phase of his recovery. Maybe others will have some ideas. Good luck and let us know what happens.
Trish
"Life isn't about waiting for the storm to pass...it's learning to dance in the rain."