Does Medicare Cover Hospice?
Many people are still not very familiar with Medicare and hospice. It is actually a fairly new idea. The “end of life movement” began in the ’70s. (The “end of life movement” is separate and distinct from the Euthanasia movement and organizations, like the Hemlock Society.) Medicare did not cover Hospice when Medicare started in 1965. Medicare and hospice were only put together in 1982 as part of the Tax, Equity, and Fiscal Responsibility Act under President Reagan in response to a growing awareness of end of life concerns. The legislation was an attempt to fill the gap in care. Awareness was growing in the country of the importance of what transpired at the end of life.
A Happy Death Is Not A New Idea
I remember when I was a teenager. My father was up before me in the mornings. He would take me to school on his way to work. I would see him praying when I came into the kitchen in the morning. One time I asked him what he was reading. It was a small devotional booklet. He was praying the novena to St. Joseph for a “Happy Death.” I was startled by the subject matter.
Teenagers don’t think much about death unless forced. I had a buddy, Herbert Woltz, killed in a motorcycle accident my senior year in high school. That was my abrupt intro to death.
I asked my father why pray for such a crazy thing as a “happy death”? The two subjects were oxymoronic to me. What’s happy about death? He reminded me that is how the Hail Mary ends. “Pray for us . . . now and at the hour of our death. Amen.”
After birth, he said, death is the most important event in your life. The difference, however, is you’re aware of what’s going on in the end, and you make the most important decisions of your life at “the hour of your death.” Praying for a “Happy Death” is about minimizing the pain and maximizing your moment of entrance into eternity. You’re asking for God and all the heavenly hosts to be at your side to handle the fear, pain, discouragement, and loneliness a person faces when approaching death and the moment of death.
I didn’t think much about what my father shared until many years had gone by and many friends and family members had passed away, including my dad. Medicare and hospice are something with which I have had extensive experience. Now I know why you would want to pay for a “happy death.”
End of Life Care Is Different
As a seminary student in St. Paul, Minnesota in the early 80’s, I was looking for a part-time ministry when I wasn’t at school studying. I found the Hawthorne Dominicans. The Hawthorne Dominicans is a Catholic women’s religious order devoted to the terminally ill. They had a hospice facility near my college, so I would walk down to it and help out on weekends. Most of the patients were cancer patients. My work was minor cleaning, but mainly it was visiting with the patients. Keeping up their spirits. Show them someone cared as they were coming to the end of their lives, and I would join the sisters in prayer and mass for the residents.
While I was there, I got to know the sisters. They were remarkable young ladies. The convent was inside the hospice facility. The nuns lived, prayed, and worked with their dying residents around them twenty-four hours a day. The Hawthorne Dominicans were some of the happiest people I ever met.
Their foundress, Rose Lanthrop-Hawthorne, was the youngest daughter of the famous author, Nathanial Hawthorne, and a convert to Catholicism. In her day, cancer patients were put on an island in New York harbor–Blackwell Island–because it was believed that cancer was contagious. Many people, especially the poor, died in incredible misery, isolation, and squalor.
Medicare and hospice were a century away. Rose, like Mother Teresa of our time, saw the face of Jesus in the poor, and she started a ministry to the dying among the poor immigrants of the New York slums. The Hawthorne Dominicans is a purely American woman’s religious order. Most woman’s religious orders in our country came from Europe originally.
End of Life Care Rediscovered With Hospice & Medicare
The end of life movement in our time found its origin during a 1967 lecture at Yale University by Cicely Saunders. She introduced the idea that the dying needed specialized care that served their unique situation. She later founded St. Christopher’s Hospice in London.
Dr. Elisabeth Kubler-Ross, MD research into death and dying identified five stages terminally ill patients go through. Her popular and groundbreaking book, On Death & Dying, fueled a movement to deal with issues of death and dying.
In 1972 she testified at the first national hearings on death with dignity conducted by the U.S. Senator Special Committee on Aging. Organizations, like The National Hospice and Palliative Care Organization (NHPCO), sprang up to study and promote awareness around the end of life issues. Finally, because of raised public interest and concerns, Medicare added hospice care to the list of services provides in 1982.
Medicare And Hospice Are Huge
In 2014 approximately 2.6 million people died in the US. Of those deaths, 80% were on Medicare. Medicare is the largest insurer for persons during the last year of life. A quarter of the Medicare budget is just for those who are in the last year of life. That number has been consistent for decades. The high cost of health care at the end of life is not surprising considering the number and complexity of health issues, so CMS (Center for Medicare & Medicaid Services) is acutely aware of end of life issues.
Today, hospice is an important benefit for terminally ill Medicare beneficiaries. Currently, nearly half of Medicare beneficiaries receive hospice benefits before their deaths. Medicare is the primary source of payment for hospice care in this country. Yet, hospice still remains somewhat of a mystery, and Medicare beneficiaries know very little about what Medicare does with hospice until they are forced into the situation.
How Does Medicare Cover Hospice?
Hospice is defined as a program of care and support for people who are terminally ill. Terminally ill means a life expectancy of six months or less. The primary goal of hospice in Medicare is to help terminally ill people live a comfortable life and manage their pain and discomfort. Hospice care is palliative care versus skilled nursing and home health care. That is, it is not designed to cure the patient, but rather to aid the person in the dying process. Because hospice care is so intimately involved and in such a big way with Medicare beneficiaries, understanding Medicare and hospice is essential.
Prayer to St. Joseph
O St. Joseph whose protection is so great, so strong, so prompt before the throne of God, I place in you all my interests and desires. O St. Joseph do assist me by your powerful intercession and obtain for me from your Divine Son all spiritual blessings through Jesus Christ, Our Lord; so that having engaged here below your heavenly power I may offer my thanksgiving and homage to the most loving of fathers. O St. Joseph, I never weary contemplating you and Jesus asleep in your arms. I dare not approach while He reposes near your heart. Press Him in my name and kiss His fine head for me, and ask Him to return the kiss when I draw my dying breath. St. Joseph, patron of departing souls, pray for us. Amen.
What Is Medicare Hospice?
Medicare pays for hospice, but what is hospice exactly?
Medicare defines hospice as a program of care and support for people who are terminally ill. Terminal illness, as Medicare definites it, is a life expectancy of six months or less. The primary goal of hospice in Medicare is to help terminally ill people live a comfortable life and manage their pain and discomfort. Hospice care is palliative care versus skilled nursing and home health care. Hospice does not cure the patient but rather aids the person in the dying process.
Death & dying is an area most people do not wish to ponder, so there are many misconceptions about Medicare-covered hospice care.
What Medicare Hospice Is Not?
Hospice is not a place. When my mother was terminally ill with ovarian cancer, I was thinking of taking her to a place.
When I was in college in the 80s, I had volunteered in a hospice facility run by the Hawthorne Dominican sisters. The hospice facility was an actual place people went to die. The nuns took care of everything: medical, personal care, food & lodging; and patients stayed there until the end.
That is what I had in mind when the doctors spoke to my family about hospice for our mother. That is not, however, how Medicare thinks of hospice.
Medicare does not pay for a hospice facility that provides room & board unless the care is tied to something like a skilled nursing facility. Medicare does, however, pay for hospice personnel and the medications they administer during hospice.
Where Do You Go For Hospice?
Hospice can be given virtually anywhere. A Medicare beneficiary can receive hospice at a hospital, hospice in a skilled nursing facility, hospice in an assisted living residence, and hospice at home. Medicare will pay for hospice care in assisted living, nursing homes, and other facilities if it is a Medicare-approved facility.
The end of life movement that started in the ’70s sees passing at home as the ideal. Most Medicare patients, when surveyed, prefer hospice in the home. That is where people feel most comfortable, but because of the level of care required, hospice care may have to move to a hospital in the last few days or another location.
What Kind of Illness Makes You Hospice Eligible?
When we think of hospice, we usually think of cancer, but there are other illnesses that result in hospice.
Grandpa Joe was 98. Grandpa had beaten cancer 4 times, lockjaw, and the Second World War. Dying didn’t seem possible. He had always been there, and we grandkids assumed he would always be there. Terminal illness and Grandpa Joe didn’t fit.
When Grandma Hilda announced to the family, Grandpa had congestive heart failure and was going into hospice, it didn’t quite register with us grandkids.
Grandpa Joe seemed the same old Grandpa Joe. When I was home from college, we chatted about the Cornhuskers, baseball, and politics. Nothing seemed to have changed, but there was a procession of nurses and therapists who came in and out of their home.
When Grandma Hilda finally called to tell us Grandpa had passed in his sleep, his death hit me like a sledgehammer.
Grandpa’s passing was hard on everyone, but Medicare providing and paying for hospice lightened the burden, especially for my parents and grandparents.
Who Can Go Into Hospice?
Hospice is also not exclusively for the old. I have a number of clients who are in their twenties and thirties. Not everyone on Medicare is sixty-five and older, though the majority are.
Accidents or illnesses permanently disabled some, and some are terminal. Hospice is for them too.
How Much Is Hospice?
Hospice care is not expensive for those on Medicare. Medicare pays for the vast majority of the hospice costs under Medicare Part A with very little out-of-pocket costs. Medications, some equipment, and nurses are covered.
Like I said earlier, hospice does not usually include custodial care or housekeeping. That can be very costly if the family cannot provide that type of care themselves.
How Do You Get Medicare To Pay For Hospice?
A Medicare beneficiary is eligible for Medicare’s hospice care benefit if she is entitled to Medicare Part A and meets the following conditions.
- The hospice doctor and the person’s regular physician certify that the person is terminally ill with a life expectancy of six months or less if the illness runs its expected course.
- The person accepts palliative care for comfort instead of care to cure her illness.
- The person must sign a statement choosing hospice care instead of other Medicare-covered treatments for her terminal illness and related conditions.
- The care is provided by a Medicare-certified hospice agency.
When these 4 critical are met, Medicare pays for hospice. At any time, a person may choose to exit hospice.
Is Hospice Euthanasia?
Hospice does not accelerate the dying process.
I have had people describe hospice to me as akin to euthanasia where someone actively terminates a life. Hospice is not euthanasia or assisted suicide. You do not intentionally cut short a person’s life. Hospice is about allowing the dying process to take its natural and inevitable course without assistance. Hospice care is about alleviating the suffering and providing comfort while the person dies.
An uncle of mine was a retired Omaha police captain. Uncle Bill had a severe stroke with many complications. He was put on a ventilator.
Uncle Bill was a strong and courageous individual. A vegetative existence was not for him not to mention impoverishing his wife with medical bills. He ordered the ventilator turned off.
Without the ventilator, he would quickly stop breathing. He knew it. The doctors made him as comfortable as possible with heavy sedation. His body fought hard against the loss of breath.
We gathered around his hospital bed. Over the course of a day, he passed peacefully from this life to next surrounded by his loving wife and children.
Hospice Is Up To You
I’ve known many individuals over the years who have gone on hospice for a time. Instead of dying, their health improved, or they resumed a normal life and quit hospice because the decline stopped. You are free to remove yourself from hospice at any time.
Hospice Is Also For The Living
Hospice is the option when all other alternatives have been exhausted. It is the option to bring the highest possible quality of life to a person’s remaining time. The hope is family members will look back on their time and know that everything was done to preserve, prolong, and then peacefully say goodbye.
While you may struggle with the challenge of terminal illness, the end of your life and hospice is as much about your loved ones as it is about you. Watching you suffer and your family’s grief afterward will be their burden. Dying is equally about them. Understanding that there is something for them as well as you in a scary time can give you all hope that the last great challenge in life will be a little less daunting.
While hospice ends with a patient’s death, family grief counseling can continue for up to a year. Medicare pays for that hospice care too.
One’s mortality is difficult to face, but the chance you will go on Medicare hospice at the end of your life is more than 50%. That is an extraordinary number, so having confidence Medicare will pay for hospice is critical.
Finding a Medicare advisor in Omaha, NE, is not difficult. If you are turning 65, marketing companies sell your contact information, including birthday and phone numbers, to insurance agents. Lead companies are mailing you business reply cards (BRC) in hope that you will fill them out and mail them back in. Direct mail marketing companies are sending you postcards, flyers, and brochures because they want you to call their 800-Medicare number. Joe Namath and Jimmy J.J. Walker are on an endless loop of commercials coming into your living room telling you about the unbelievable Medicare benefits you do not qualify for. Dynomite!
You will have to contact the FBI witness protection program to avoid the onslaught leveled against you as you approach Medicare eligibility!
Just Having An Insurance License Does Not Make You A Medicare Advisor
As you age into Medicare, an army is coming after you–an army of insurance agents. Some insurance agents, like me, have been around for a while. I earned my Nebraska & Iowa insurance licenses in 2003. Other agents just get their license for the Medicare Annual Election Period (AEP) when Medicare beneficiaries can change their Medicare plans. During those seven weeks of Medicare Annual Election Period AEP (Oct 15th–Dec 7th)–sometimes called “Open Enrollment”—Medicare insurance agents in Omaha, NE, are looking to make some money. They want to get new Medicare clients who are looking to change their Medicare plans.
People, however, are trying to find a Medicare advisor in Omaha, Ne, who is knowledgeable, competent, and trustworthy.
What Does It Take To Become A Medicare Insurance Agent in Nebraska?
A Nebraska insurance license only means that you passed the licensing test and paid the $50 licensing fee. It doesn’t tell you how many times the person took the test to finally pass. It doesn’t tell you her score. You cannot even determine how long the person has been licensed, though you can find out their license number on the Nebraska Department of Insurance website.
While doctors, lawyers, real estate agents, and even hairdressers go through a lengthy and difficult training and testing process, insurance agents for Medicare do not. I do not say this with any sort of pride, but as a matter of fact. Many of my fellow Medicare agents in Omaha, NE, have little or no training, are doing this as a temporary part-time gig, and/or will probably let their license drop at the end of the year.
Baby Boomers Increased The Demand For Medicare Advisors
Medicare health insurance is a federal program that began in 1965. The government created it because most insurance companies did not offer affordable health insurance to seniors. Congress intervened to create a program to protect seniors who were going bankrupt handling healthcare as the American population was living significantly longer in large numbers by the 1960s.
Insurance companies quickly developed insurance products to supplement Medicare where it was lacking. Insurance agents started selling these Medicare supplements. As the baby boomers started aging into Medicare, the demand exploded. There was more demand than what insurance companies and agencies could handle, so they began mass recruiting to find people to sell Medicare supplements. Recruiters promised the usual things to attract large numbers of people–huge sums of money and easy work.
The sales pitch works because each year, thousands of people get their insurance licenses and become Medicare advisors in Omaha, NE, but quickly they find the work is not easy and they do not become rich overnight. Consequently, after they sell to a few friends and relatives, they let their license lapse. The people they signed up then lose their agent.
The Fallout from Poor Medicare Advisors
The consequence is Medicare beneficiaries are left on their own with an insurance product they probably do not understand in a health insurance program that is as foreign as a foreign language. The agent-less persons are now older. Their needs and circumstances are probably changed, and their income is even more limited. It is a bad situation.
While Medicare is not rocket science and I am not a brain surgeon, Medicare and Medicare insurance products have a certain level of complexity. A person needs a knowledgeable advisor to help them avoid pitfalls and maximize their benefits because Medicare and insurance products are always changing.
Independent Medicare Advisors in Omaha, NE
We are independent Medicare advisors in Omaha, NE. That means we do not work for an insurance company. We are not captive to an insurance company restricted to selling only one company or brand. We offer a large variety of companies in Nebraska and Iowa–the big names and the small. They all pay us the same commission, so there is no incentive to offer one company over the other. We are Omaha, Nebraska, Medicare insurance brokers, so we look for the best deal for our clients.
How to Pick a Good Medicare Insurance Agent in Omaha, NE
First, we offer both Medicare Supplements and Medicare Advantage. These are both great options for those whom they fit. Our goal is to educate you on Medicare. The official Medicare handbook, Medicare & You, is over 120 pages of incredibly dull reading. We make it simple and understandable.
Secondly, we show you the actual Medigap and Medicare Advantage plans. Our software pulls together the policies and prices in nice neat rows and columns so you can compare and contrast. You can see the plans on one big four-foot computer screen, and we print out the quotes on one sheet of paper you can take with you.
From my experience, people come to us with separate quotes from various companies and a number of different agents. The mess of papers adds to your confusion. We pull the data up and let you see all the copays, co-insurance, maximum out-of-pocket, and premiums. It is only when you can look at them side-by-side on one computer screen and sheet of paper you can really see and compare.
We print out the quotes so you can take the material home with you. There shouldn’t be any pressure to decide or buy ‘right now.’ Picking a Medicare plan should not be a rush.
Finally, we find out about you and how you wish to manage your healthcare needs. Everyone is unique in how they wish to handle healthcare. Some of that has to do with your personality. Other reasons are your health. Your budget is an important determining factor. We work with you to see what fits you and is most comfortable for you.
Find A Medicare Advisor in Omaha, NE
You will be on Medicare hopefully for a long time. You want your Medicare advisor in Omaha, NE, to walk with you during that time to help you adjust and change as needs and times change. This is an important relationship for the long haul. Give us a call and find out how we help 402-614-3389.
All Medicare Advantage (MA) plans must provide at least the same level of coverage for home health care as does Original Medicare, so Medicare Advantage pays for home health care. However, an MA plan may have different rules, costs, and restrictions on services. For example, depending on a person’s MA plan, it may require him to:
- Obtain care from a home health agency that has contracted with the plan.
- Receive prior authorization or a referral before receiving home health care.
- Pay a copayment for home health care.
Center for Medicare & Medicaid Services (CMS) recently announced that Medicare Advantage plan will be able to cover certain types of home health care related services that were not previously able to be offered, beginning in 2019. This will be possible because CMS has expanded the definitional scope of “supplemental benefits” that Medicare Advantage plans can offer. Starting in 2019, insurers can offer additional services to help improve enrollees’ health and quality of life.
Medicare Advantage Can Pay for Home Health Care Supplemental Benefits
Medicare Advantage plans may offer additions benefits not offered by Original Medicare. Previously, CMS did not allow any item or service to qualify as a supplemental benefit. Supplemental benefits were items of “daily maintenance.” In other words, MA plans could not offer items and services that were not directly for medical treatments. The agency has now reinterpreted the requirement for supplemental benefits to include a “primarily health-related” definition as follows:
an item or service that is used to diagnose, prevent, or treat an illness or injury, compensate for physical impairments, act to ameliorate the functional/psychological impact of injuries or health conditions, or reduce avoidable emergency and healthcare utilization
Accordingly, this reinterpretation of supplemental benefits will allow Medicare health plans to offer coverage or benefits for the following:
- Adult daycare services are services provided outside the home, such as assistance with activities of daily living (ADLs) and instrumental activities of daily living (IADLs)
- In-home support services are services a personal care attendant provides. She assists disabled or medically needy individuals with activities of daily living, such as eating, bathing, and transferring, and instrumental activities of daily living. These activities may include managing money, preparing meals, and cleaning a house. Services must be performed by individuals licensed to provide personal care services, or in a manner that is otherwise consistent with state requirements.
- Home-based palliative care services Medicare does not cover if life expectancy is more than six months. Palliative care (“comfort care”) is to diminish symptoms of a terminally ill patient.
- Transportation for nonemergency medical services is transportation to obtain Part A, Part B, Part D, and supplemental benefit items and services. The transportation must be used to accommodate the enrollee’s health care needs: it cannot be used for nonmedical services, such as groceries or errands.
- Home safety devices and modifications are safety devices to prevent injuries in the home and/or bathroom. The modifications must be non-structural and non-Medicare covered. This benefit can include home and/or bathroom safety inspection to identify any need for safety devices or modifications.
A physician or licensed medical professional must recommend these home care services.
Medicare’s expansion of MA plan benefits, like adult days care, helps patients remain in their homes as they age rather than being institutionalized, which could also result in lower costs for Medicare and Medicaid.
The Advantage of Medicare Advantage for Home Health Care
Medicare Advantage plans may impose different rules, limitations, and costs than Original Medicare, but they must provide at least the same level of home health care benefits.
Starting in 2019, Medicare Advantage plans may offer supplemental benefits that help enrollees with daily maintenance, including transportation for medicare services, in-home support services, and home-based palliative care. Consult the individual MA plan for the details of coverage.
In the Omaha metro area, the MA plans offer some of these benefits. Currently, the plans that do offer a lot of these benefits are the “Dual” or “Special Needs” plans. Those plans are for a person on full Medicaid as well as Medicare or have some special needs because of chronic illness, such as COPD, Diabetes, etc.
In other areas with high population densities, many of the MA plans are much richer with benefits. As it stands in eastern Nebraska and western Iowa, principally Omaha, Lincoln, Bellevue, and Council Bluffs, the supplemental benefits seem to be growing in number and scope each year. A couple of insurance companies recently added transportation to their health plans. More insurance companies are developing Medicare Advantage plans and including this type of home health services.
Home health care is like it sounds. It is the care that takes place in the home. Home health care consists of a wide range of services, like physical therapy, occupational therapy, speech therapy, and nursing care. But, how long does Medicare pay for home health care?
The purpose of home health care is short term treatment for an illness or injury, such as a stroke or broken hip. It is about getting the person healthy and independent again. For the chronically ill and disabled, the goal is to maintain the highest level of ability and health.
Home health care is not home care. Home care would be services, like housekeeping, bathing, feeding, etc. Medicare does not usually provide those types of personal services, strictly speaking.
There are exceptions at times that allow for a temporary home health aide. It is skilled nursing care provided in the home for those who would not have access otherwise. While an excellent service, the big question is: how long does Medicare pay for home health care? Some injuries and illnesses may last for a long time.
Medicare Part A and Part B both provide coverage for home health care. Under Part B, a person is eligible for home health care if she is homebound, requires skilled care, and is certified as needing care by a physician. Medicare Part B covers most home health care. The added benefit is Part B does not require a qualifying hospital stay.
Medicare Part A Coverage
Part A, in contrast, does provide home health care coverage in some situations. A hospital or skilled nursing facility stay triggers Part A. If a person has a three-day inpatient stay at a hospital or has a Medicare-covered SNF stay, Part A will cover up to 100 days of home health care.
Note that a person must still meet the other eligibility requirements to receive home health care, such as needing skilled care, being homebound, and having a doctor certify that such care is necessary. A person also must receive home health services within 14 days of being discharged from a hospital or SNF. If a person doesn’t meet all of the requirements for Part A coverage but is otherwise eligible for home health care benefits, her care will be financed under Part B.
Regardless of whether Part A or Part B covers a person’s care, Medicare will pay:
- the entire approved cost of all covered home health visits
- 80 percent of the Medicare-approved amount for durable medical equipment
Certified Home Health Agency Disclosure of Covered Costs
Before home health care starts, the certified home health agency must tell the person how much Medicare will pay. The agency must also disclose if Medicare does not cover needed items or services. Then tell how much the person will have to pay for them.
For example, charges to a person may be:
- medical services and supplies that Original Medicare doesn’t cover, such as prescription drugs or routine foot care
- 20 percent of the approved amount for Medicare-covered durable medical equipment such as wheelchairs, walkers, and oxygen equipment
Home Health Agency Advance Beneficiary Notice of Noncoverage
When a certified home health agency believes that Medicare may not pay for some or all of a person’s home health care, it must give the person a written notice called an Advance Beneficiary Notice of Noncoverage (ABN). The ABN might occur, for example, if the home health agency thinks that Medicare will not pay for items or services because:
- The care is not considered medically reasonable and necessary.
The care is only unskilled, a home health care aide, like help with bathing or dressing.
- The person is not homebound.
- The person does not need skilled care on an intermittent basis.
The ABN must describe the service and/or items that may not be covered and explain why Medicare probably won’t pay. The notice must also include an estimate of the costs for the items and services, so that the beneficiary can decide whether to receive the services, understanding that she may have to pay out-of-pocket for such care.
The ABN also gives directions for getting an official decision from Medicare about payment for home health services and supplies and for filing an appeal if Medicare won’t pay.
Home Health Care Length of Coverage
There is no limit to the length of time that a person can receive home health care benefits. Once the initial qualifying criteria is met, Medicare will cover home health care as long as it is medically necessary. However, care is limited. There are a maximum number of visits per week and number of hours per day of care.
When a person first begins receiving home health care, the plan of care will allow for up to 60 days. At the end of this period, the physician must decide whether to recertify the patient for another 60 days. The patient must be recertified at least every 60 days if home health care is to continue.
Medicare does not limit the number of times that a physician may recertify a patient for home health care benefits, provided all of the eligibility requirements continue.
How Long will Medicare Pay for Home Health Care?
A home health agency must give a beneficiary a written Home Health Change of Care Notice (HHCCN) when the patient’s plan of care is changing because the home health agency makes a business decision to reduce or stop providing some or all of the home health services or supplies.
The person’s doctor has changed the person’s orders, which may reduce or stop certain home health care services or supplies that Medicare covers.
For example, the agency issues an HHCCN when the doctor changes the plan of care from five days a week to three days a week. The beneficiary must be notified in writing of the change of service.
The HHCCN lists the services or supplies that will be changed and gives the beneficiary instructions on what to do if she does not agree with the change.
The home health agency is not required to give a person an HHCCN when a Notice of Medicare Noncoverage is issued.
Notice of Medicare Noncoverage
When all of a person’s Medicare covers services are ending, the home health agency must give the beneficiary a Notice of Medicare Noncoverage (NOMNC). This notice states when services will end as well as how to appeal the decision. The NOMNC also provides information on how to contact the Beneficiary and Family-Centered Care Quality Improvement Organization (BFCC-QIO) to request an expedited appeal.
Once a person decides to appeal and has reached the BFCC-QIO, the home health agency must give the patient a more detailed notice explaining why it believes Medicare-covered care should end. The agency should tell the applicable coverage rules and other information specific to the person’s situation.
A physician must submit a statement of appeal to the BFCC-QIO that the patient’s health will be jeopardized if care is discontinued.
All of these factors go into how long Medicare pays for home health care. Knowledge of these rules is important so that you can maximize your benefits and avoid costly mistakes.
Medicare covers Home Health Care, but the Medicare beneficiary must meet particular criteria, maintain a status of medical need, and follow Medicare regulations and processes to enjoy the benefits.
- A physician must certify that skilled care is needed and must prescribe the plan of care.
- A participating Medicare-approved home health care organization must provide the care.
- The patient must need at least one of the services: intermittent skilled nursing care, physical therapy, speech-language pathology, and continued occupational therapy.
- The patient must be confined to the home.
A physician must meet face-to-face with the patient 90 days before the start of home health care or within 30 days after the start of home health care. She must sign and date a certification that the patient needs skilled care and meets all the Medicare eligibility criteria for home health care. As part of the certification, she must determine from the in-person meeting a plan of care.
- A plan of care describes the type of services and care a person will receive for their health concerns. The program will list:
- the variety of services, supplies, and equipment needed.
- the health care professional who will deliver these services
- how often services will be needed
- the beneficiary’s function limitations
- nutritional requirements]
- the results that the physician expects from the treatment
The home health agency is responsible for providing all of the care listed in a person’s plan of care. The agency may do this through its staff or an arrangement with another agency.
The doctor certifies the person as eligible for an initial 60-day benefit period. At the end of the period or before, the doctor may recertify the person, or if the person’s condition has changed, determine the care is no longer needed. Only the doctor can certify the patient or make changes to the plan of care, not the home health agency.
Medicare-Certified Home Health Care Agency
Medicare will pay for home health care only if a Medicare-certified home health care agency provides it. Medicare approves agencies that meet specific federal health and safety requirements as well as Medicare standards necessary for reimbursement. To ensure that these standards met, Medicare regularly inspects home health agencies. However, Medicare certification does not guarantee a legal warrant of the individuals performing the services.
A Medicare-certified home health agency agrees to:
- be paid by Medicare
- accept only the amount that Medicare approves for its services.
The patient has the right to choose any agency to provide the services as long as they are Medicare certified. The agency is not required to accept the person if it cannot meet that person’s medical needs.
Skilled Care Required But Intermittent
To qualify for Medicare provided home health care, the person needs specialized care. Skilled care means services, such as skilled nursing care, physical therapy, speech therapy, and/or continuing occupational therapy.
The key to determining home health care versus skilled nursing care in a facility is the quantity of care. Home health care must be intermittent. That is, the care must be part-time, meaning less than eight hours each day for up to 21 days–although coverage may be extended in particular circumstances when the need for additional skilled nursing is finite and predictable.
The homebound criterium does not mean the person is a prisoner in her home. It means leaving is an undue burden. She has trouble leaving home without help because she must use a cane, wheelchair, walker, crutches, or specialized transportation.
It does not mean that person does not leave home on occasion because of important family events, specific medical tests, funerals, or weddings. Even attending adult daycare would not be a violation of being homebound.
Home Health Care May Cover A Health Aide
Home health aide services get a great deal of play. Medicare will cover a health aide for short periods. The aide service must be coupled with home health care services. Medicare does not cover it exclusively.
The home health aide is in support of the healing process with the other skilled nursing professionals. The home health aid does not have a nursing license. For example, a home health aide might help a person with personal care, such as bathing, using the toilet, or dressing–in other words, services that do not require the skills of a licensed nurse.
Other services are help with medications that are self-administered, assistance with activities that are directly supportive of skilled therapy. The aide may help with routine exercises and/or practicing functional communication skills. Where appliable, she may help with regular care of prosthetic and orthotic devices. Medicare will not cover the home health aide if the patient is not receiving skilled care.
Home Health Care Can Cover Social Services
Many injuries and illnesses come with an emotional cost. A patient of my wife recently was hospitalized because his son assaulted him while under the influence of illegal drugs. He was defending his wife, who was likewise being assaulted. The father was hospitalized with broken bones. He is also currently going through chemotherapy treatment and is eighty-six years old.
As you can imagine, the emotional trauma to this couple was extensive and may require counseling and other intervention when the gentleman returns home. Home health care provides these types of services as well.
Durable Medical Equipment
Home health agencies will also help with durable medical equipment. A patient may need a hospital bed, walker, wheelchair, or oxygen. Medicare also covers Medicare supplies, like wound dressings or catheters that are ordered as part of a patient’s care.
If a home health agency doesn’t supply durable medical equipment directly, its staff will typically arrange for a home equipment supplier to bring the items need to the person’s home.
Does Medicare Exclude Some Home Health Care Services?
Medicare does not pay for the following:
- 24-hour-per-day care at home
- meals delivered to the home
- homemaker services like shopping, cleaning, and laundry
- personal care given by home health aides (like bathing, using the toilet, or help in getting dressed)when this is the only care needed.
Does Medicare cover home health care? It certainly does when the patient meets the established criteria. Home health care is a rich source of benefits to beneficiaries that are delivered in a variety of ways and circumstances as needed.
We know what hospitals are. We all have been to a doctor’s office. Many have experienced a relative in a nursing home, but what is home health care?
Home health care is like it sounds. It is the care that takes place in the home. It consists of a wide range of services, like physical therapy, occupational therapy, speech therapy, and nursing care.
The purpose of home health care is short term treatment for an illness or injury, such as a stroke or broken hip. It is about getting the person healthy and independent again. Or, it is for the chronically ill and disabled. The goal is to maintain the highest level of ability and health.
Home health care is not home care. Home care would be services, like housekeeping, bathing, feeding, etc. Medicare does not usually provide those types of personal services, strictly speaking, though there are exceptions at times that allow for a temporary home health aide. It is skilled nursing care provided in the home for those who would not have access otherwise.
Does Medicare Cover It?
Four criteria must be met for Medicare to pay for home health care.
- A physician must certify home health care is necessary.
- The home health care provider must be a Medicare-approved organization.
- The patient must need at least one of the following: skilled nursing care, physical therapy, occupational therapy, or speech therapy.
- The patient must be homebound.
Doctor Certifies Patient For Home Health Care
The doctor must certify a patient needs home health care during an in-person meeting. He signs a certificate certifying that the person meets the Medicare qualification. The doctor lays out a plan of care that care professions implement, and the certification is for 60 days. At the end of the 60 days, or before, he can recertify that patient for an additional 60 days.
The doctor can continue to recertify the patient indefinitely as long as the person qualifies for the medically necessary treatment, and Medicare will continue to cover them.
Home Health Agency Medicare Certified
The home health agency providing the care must be certified by Medicare for the service to be Medicare-covered. In my office building as you come in, a care agency is in the lobby. On the office door, the home health agency lists the various services, and in even bigger letters, it states, “Medicare Certified.”
Medicare certification of a home health agency is an extensive process. Because accreditation is arduous and a source of considerable revenue, home health agencies are very careful about maintaining their certification and advertising their Medicare certification as well. The Omaha metro area has some excellent home health care agencies.
Home health care must also be intermittent care. That is, it consists of fewer than seven days a week, or daily care for less than 8 hours each day for up to 21 days. Otherwise, a skilled nursing facility would most likely be recommended for a more intense regimen of care.
The patient must be homebound, which means she cannot leave her home without great difficulty and requires help, such as a wheelchair, walker, crutches, or specialized transportation. It doesn’t mean she can never leave her home for important things, like family events, hairdressing appointments, some doctors’ appointments, but getting regular health services outside the house would be an undue burden.
People are living longer. Tremendous advances in technology have enabled seniors to stay out of expensive skilled nursing care. Nowadays, patients may receive very sophisticated treatment at home and do not need to be institutionalized, keeping the cost of treatment lower. It is an important and essential service that Medicare covers.
Medicare Coverage For Skilled Nursing Facilities
Skilled Nursing Facilities—or better known in the jargon of Medicare as SNF—is the cause of much consternation among people on Medicare. The reason for the distress and stress is because Medicare beneficiaries are sometimes denied coverage. This both confuses and angers Medicare beneficiaries because there doesn’t seem to be any rhyme or reason to the denials. People ask: does Medicare cover Skilled Nursing Facility?
Medicare Billing Guidelines For Skilled Nursing Facility
From my observation over the years, doctors’ offices sometimes don’t follow the Medicare billing guidelines for Skilled Nursing Facility. I understand everyone is busy and people are certainly well-intentioned, but Medicare is insurance. Insurance has rules, protocols, and forms. A lack of adequate explanation to Medicare is many times the cause of Medicare denials, I’ve seen over the years. Other times the situation does not meet the Medicare criteria for Skilled Nursing Facility stays.
What are the Medicare Skilled Nursing Facility Requirements?
When skilled nursing is prescribed, five Medicare Skilled Nursing Facility requirements must be met. The first is a qualifying hospital stay.
The Medicare beneficiary must stay as an inpatient for three consecutive days in the hospital. Each of these is an essential ingredient. The beneficiary must be admitted to the hospital. If the patient is only admitted for “observation,” she will not qualify. She must be an “inpatient.” Next, the stay must be consecutive. It can’t be a day or two within a short period of time. It must be at least 3 consecutive days. And finally, it must be at least 3 days, not counting the day of dismissal.
Many times, people assume the day of dismissal counts, but that is definitely not the case. Three days of inpatient care at least with a fourth day for the dismissal. Sometimes people will complain that the patient doesn’t need a third day, but if you want the person to qualify, she must stay at least three consecutive days.
Medicare Skilled Nursing Facility Benefit Period
The second ingredient for Medicare to cover a skilled nursing facility stay is the admittance must occur with 30 days of dismissal from the qualifying hospital stay.
My mother-in-law had open heart surgery a while back. Her cardiologist prescribed that she stay in a skilled nursing facility for cardiac rehab. She was not a very cooperative patient. She refused. My wife was insistent and explained that if she didn’t go then, she would lose the opportunity for skilled nursing rehab. My mother-in-law’s response was she would do it later if she needed it.
Many people mistakenly think they can go to a nursing home for rehab if they simply want to. It must be within the 30-day window after dismissal from an inpatient stay. Otherwise, Medicare will not pay. Now you may think it is not fair, or right, or make sense. I am simply stating the rules and facts.
Medicare Guidelines for Skilled Nursing Facility
The third requirement for admittance to a skilled nursing facility (SNF) is the treatment can only be provided by a skilled nursing facility.
What this usually means is “full time” or five day a week care. In other words, the same level of treatment cannot be provided by going to a treatment center by appointment a few times a week. Only an inpatient skilled nursing facility can provide the level of intense treatment needed for adequate recovery. This can be a tricky call and where judgments can and are questioned.
I had a client who had a knee replacement. Usually a knee replacement, even with complications, does not require admittance to a skilled nursing facility (SNF) because physical therapy is something that can be completed by going to the physical therapist’s office and/or doing exercises on your own. This situation was different.
She was living in a small apartment with lots of furniture. There was a pet. The husband was feeble. While she was not very old, her knee was not recovering at the usual pace. The doctor recommended skilled nursing care, but Medicare denied the prescription.
The family came to me with questions. I suggested they explain the situation to the doctor in greater detail and with more urgency. She was a serious “fall risk” because of her living situation.
Once the idea was emphasized sufficiently in the doctor’s notes to Medicare, Medicare understood that the work that had been done would be undone if she fell at home because of a pet, furniture, and/or feeble husband, etc. The request was approved.
Skilled nursing is very expensive. Medicare needs to understand the “medical necessity” of a prescription. Once the idea is communicated effectively, things can happen.
List of Medicare Approved Skilled Nursing Facilities
The fourth ingredient is that a doctor, or another appropriate medical professional, certifies that the patient needs the type of daily therapy that can only be performed in a skilled nursing facility. The skilled nursing facility must also be a Medicare-certified skilled nursing facility. You can go to Medicare.gov to find certified sites and Medicare the star ratings for Skilled Nursing Facilities.
The fifth and final requirement can be confusing. The skilled nursing care must be for the reason the patient was in the hospital for the three days.
Imagine John goes to the hospital because of a broken hip. While John was in the hospital, he has a stroke. The doctor certifies John for treatment at a skilled nursing facility for the stroke, not the hip issue. The skilled nursing recommendation does not have to be based on the reason the person was admitted to the hospital, but it does need to be because of something he was treated for during the 3-day hospital stay.
As you can see, Medicare coverage for skilled nursing facilities can be complex. It’s important to have some understanding so that you know what to expect, or not to expect, when it comes to Medicare coverage of skilled nursing facility care, and how to navigate the processes to your benefit and the benefit of loved ones. Medicare Part A covers the Skilled Nursing Facility, but the rule must be followed for Skilled Nursing Facility Medicare reimbursement to happen.
The chances are you or someone in your family will require skilled nursing care because of a serious injury, stroke, or surgery. Twenty-five percent of skilled nursing stays are less than three months. Many, however, are longer. Nursing home care costs vary from state to state and location to location. The questions my clients ask are: how long does Medicare pay for skilled nursing care?
Skilled Nursing Care Costs Are High
Depending upon the state in which you reside, the daily costs associated with nursing home care vary widely between $140 and $771 per day for a semi-private room in 2017. The average cost was $235 per day for a semi-private room. Multiplying that out the monthly cost associated with skilled nursing care ran anywhere between $4,258 and $23,451 per month for a semi-private room, with the average being closer to $7,148 each month for a semi-private room. For most people, those are prohibitive costs!
How Much Skilled Nursing Does Medicare Pay For?
Many of my clients will call when faced with the possibility of going into a skilled nursing facility. Illness is scary enough. You don’t want to worry about overwhelming medical bills. My people want to know they’re covered. They want to know how much skilled nursing does Medicare pay for. Do Medicare Advantage plans cover skilled nursing facilities? Do Medicare Supplements cover skilled nursing facilities? So, the big question is: who pays?
Medicare Skill Nursing Benefit Period Is 100-Days
So, how many days does Medicare cover skilled nursing facility care? The Medicare Skilled Nursing Facility (SNF) benefit period, or “Spell of care,” is 100 days. The benefit period ends when the patient leaves the SNF for 3o days, and a new 100 day benefit period is available after 60 days.
Skilled Nursing Facility’s Legal Obligations
When a patient leaves a hospital and moves to a nursing home that provides Medicare coverage, the nursing home must give the patient written notice of whether the nursing home believes that the patient requires a skilled level of care and thus merits Medicare coverage. Even in cases where the SNF initially treats the patient as a Medicare recipient, after two or more weeks, often, the SNF will determine that the patient no longer needs a skilled level of care and will issue a “Notice of Non-Coverage” terminating the Medicare coverage.
Whether the non-coverage determination is made on entering the SNF or after a period of treatment, the patient can submit or not to Medicare. The patient (or his or her representative) should always ask for the bill to be submitted. This requires the nursing home to submit the patient’s medical records for review to the fiscal intermediary, an insurance company hired by Medicare, which reviews the facility’s determination. The review costs the patient nothing and may result in more Medicare coverage. While the review is being conducted, the patient is not obligated to pay the nursing home. However, if the appeal is denied, the patient will owe the facility retroactively for the period under review.
If the fiscal intermediary agrees with the nursing home that the patient no longer requires a skilled level of care, the next level of appeal is to an Administrative Law Judge. This appeal can take a year and involves hiring a lawyer. It should be pursued only if, after reviewing the patient’s medical records, the lawyer believes that the patient was receiving a skilled level of care that should have been covered by Medicare. If you are turned down at this appeal level, there are subsequent appeals to the Appeals Council in Washington, and then to federal court.
Day 101 You Pay
If you need more than 100 days of SNF care in a benefit period, how many days will Medicare pay for skilled nursing care? Nothing. SNF is meant to be short term. You will need to pay out of pocket if your care ends because you are run out of days. The SNF is not required to provide written notice. It is important that you or a caregiver keep track of how many days you spend in a SNF to avoid unexpected costs after Medicare coverage ends.
How Else to Pay For Skilled Nursing Care
If you are receiving medically necessary physical, occupational, or speech therapy, Medicare may continue to cover those skilled therapy services even when you have used up your SNF days in a benefit period, but Medicare will not pay for your room and board, meaning you may face high costs.
Medicare does not cover long term care or custodial care. You may wish to move to a home health care situation at that point. Medicare pays for home health care, and the costs are much less. If you have long-term care insurance, it may cover your SNF stay after your Medicare coverage ends. If your income is low enough, you may be eligible for Medicaid to cover the cost of your stay.
Unlimited Skilled Nursing Benefit Periods
Once you are out of skilled nursing for 60 days, your SNF benefit period ends, but you may become eligible again for another SNF benefit period after a qualifying hospital stay of 3-days. There is no limit on the number of benefit periods available to a Medicare beneficiary as long as the Medicare requirements are met.
In other words, a person could potentially keep going into Medicare covered skilled nursing care every 100 days after a 60-day break as long as it is preceded by a qualifying hospital stay of 3-days. While repeat 100 day stays in a skilled nursing facility are not likely, that does give an idea of the level of incredible care available to a Medicare beneficiary.
NO Insurance: $176 Per Day
Medicare Supplements and Medicare Advantage plans pick up large portions of the 100-benefit period. The amount covered depends on the type of Medicare Supplement plan and Advantage plan. If the patients has neither, just Original Medicare, she is responsible for 21-100 days. The per day cost is currently $176 (2020).
30 Or 60 Days
An important note on the number of days out of a Skilled Nursing Facility approved stay. If a patient has left the SNF for 30-days or less, she may return without a 3-day inpatient hospital stay to initial the stay, but the 100-day count continues from where it left off. If the patient has been out of the SNF for 60-days for less, but more than 30-days, she will need another 3-day hospital stay for Medicare to pay for the time in the Skilled Nursing Facility. And the 100-day count continues from where it left off. After 60 consecutive days without SNF care, a new benefit may begin. There is no limit to the number of benefit periods.
Let’s layout some common scenarios. You might need your calculator or at least your fingers and toes to keep track.
Imagine David is in the hospital for 4 days because of a stroke. He is then admitted to a skilled nursing facility for 20 days. Dave leaves the skilled nursing facility for 28 days, but he has a complication. Dave falls going to the bathroom. The doctor readmitted him into the nursing home. He is within the 30-day window. No problem. Medicare will pay for that.
If, however, David was out of the nursing home 31 days, and he fell, he would need another 3-day stay in the hospital to be readmitted to the skilled nursing facility so Medicare would pay. Dave’s doctor may or may not be able to get him re-admitted to the hospital based upon his medical condition.
Skilled Nursing Facilities (SNF) are incredibly expensive. How long does Medicare pay for Skilled Nursing Care? Medicare does cover a 100-day benefit period. Medicare Supplements and Medicare Advantage plans cover large portions of the stay, depending on the plan. The cost, however, starting day 21 is $176 per day to patients without any additional coverage. The 100-day benefit period has very strict rules when it begins and ends. There are rules to which you need to be attentive to avoid unexpected and large bills, and it is worth talking with your insurance agent to make sure you have the maximum amount of coverage you can afford.