I am happy to report that we won the insurance case upon appeal. They are having to retro Jude's coverage and take care of the skilled nursing from January on. The nurse also apologized and said the case never should have gotten as far as it did. She said looking at the file it was apparent Jude's condition warrants skilled nursing.
I am thrilled. We pay for private insurance for a reason and that company should not be denying applicable coverage only to have it sent to the state to pay. I would mention that I hope we never have to go through this again but I will just polish my armor because I know we will.