Recovery Care/Short Term Care

Just came off a webiner about the Aetna Recovery Care supplemental product. Unfortunately, not available in Florida where I am. These products address the problem with Original Medicare with a Supplement where patients may be sent to skilled nursing/rehab before they have a full three-day inpatient stay in a hospital. When this happens, Original Medicare won't cover the SNF stay. Hospitals can get creative with hospital stays, coding them as "under observation", thus putting patients at financial risk for a SNF stay even after they've been in a hospital for days. So, what are your thoughts on this type of coverage? What products do you like for this type of coverage? If you know them to be available in Florida, that would be a plus. Thanks for your insights.
Here is the brochure for Missouri so that you can get the gist of it.
 
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