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No, the 90 day exclusion is because Medicare pays for your first 90 days regardless. You would not pay that $27,000

Medicare only pays for those 90 days if you are discharged from a qualifying hospitalization directly to the nursing home. Among other things, a qualifying hospitalization must be for a minimum of 3 days, and beware that many days in the hospital for Medicare patients are actually listed as observational days, and those days don't count towards the 3-day minimum. Just saying.
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