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www.medicarerights.org
Hospital Transitions:
A Guide for Professionals
2017
Medicare Rights Center
The Medicare Rights Center is a national,
nonprofit consumer service organization that
works to ensure access to affordable health
care for older adults and people with
disabilities through
Counseling and advocacy
Educational programs
Public policy initiatives
Page 2© 2017 Medicare Rights Center
National Council on Aging
This toolkit for State Health Insurance
Assistance Programs (SHIPs), Area Agencies
on Aging (AAAs), and Aging and Disability
Resource Centers (ADRCs) was made
possible by grant funding from the National
Council on Aging
Page 3© 2017 Medicare Rights Center
Learning objectives
Understand Medicare Part A’s coverage of hospital
stays
Explain a beneficiary’s right to discharge planning
Know how Medicare covers post-hospital skilled
nursing facility (SNF), home health, and hospice care
Identify a beneficiary’s options for long-term care
following a hospital stay
Page 4© 2017 Medicare Rights Center
Medicare basics
© 2017 Medicare Rights Center Page 5
Health insurance for people age 65+ and many of
those who have received Social Security disability
benefits for 24 months
People of all income levels are eligible
Run by the federal government but can be provided
by private insurance companies that contract with the
federal government
What is Medicare?
Page 6© 2017 Medicare Rights Center
Medicare eligibility: Age
Individual 65+ is eligible for Medicare if one of the
following conditions is met:
1. They either receive or qualify for Social Security retirement
cash benefits
OR
2. They currently reside in the United States and are either
A U.S. citizen or
A permanent U.S. resident who has lived in the U.S. continuously
for five years prior to applying
Page 7© 2017 Medicare Rights Center
Medicare eligibility: Disability
Individuals under 65 are eligible for Medicare if they have
been receiving Social Security Disability Insurance (SSDI)
for 24 months
Individuals are Medicare-eligible the first day of the 25th month of
receiving SSDI
Exception: Those who receive SSDI because they have ALS
become eligible the first month their SSDI benefits start
Page 8© 2017 Medicare Rights Center
Medicare eligibility: ESRD
Individuals are also eligible for Medicare if they have End-
Stage Renal Disease (ESRD)
Get dialysis treatments or have had a kidney transplant
Have applied for Medicare benefits
Have been deemed eligible for SSDI, railroad retirement benefits,
or are otherwise considered to be fully insured by Social Security
© 2017 Medicare Rights Center Page 9
Medicare options: Original Medicare
Original Medicare
Made up of three parts
Part A – hospital insurance/inpatient insurance
Administered by the federal government
Part B – medical insurance/outpatient insurance
Administered by the federal government
Part D – prescription drug benefit
Provided by private insurance companies
© 2017 Medicare Rights Center Page 10
Medicare options: Medicare Advantage
Medicare Advantage
Also known as Part C
Provided by private insurance companies that
contract with federal government to provide
Medicare benefits
Combines Part A, Part B, and usually Part D benefits
in the same plan
Not a separate benefit
© 2017 Medicare Rights Center Page 11
Part A hospital care
coverage
© 2017 Medicare Rights Center Page 12
Hospital coverage
If beneficiary is hospital inpatient, Part A covers
Semi-private room
Meals
General nursing
Medications
Other hospital services and supplies
Part A does not cover
Private duty nursing
Private room, unless medically necessary
Personal items (razors, socks)
© 2017 Medicare Rights Center Page 13
Part A costs
© 2017 Medicare Rights Center Page 14
Medicare Part A Costs for 2017
Premium Free for those with 10 years of Social Security
work history
$227 if beneficiary or spouse worked and paid
Medicare taxes for 7.5 to 10 years
$413 if beneficiary or spouse worked and paid
Medicare taxes for fewer than 7.5 years
Hospital deductible $1,316 for each benefit period
Hospital coinsurance $329 per day for days 61-90 each benefit period
$658 per day for days 91-150 (these are 60 non-
renewable lifetime reserve days)
Skilled nursing facility
(SNF) coinsurance
$164.50 per day for days 21-100 each benefit
period
Hospital discharge
planning
© 2017 Medicare Rights Center Page 15
Hospital discharge planning
A beneficiary has the right to discharge
planning at the end of their hospital stay
Process to determine most appropriate post-hospital
discharge destination and care plan for patient
Key component of preventing hospital re-admissions
Medicare expects providers to have basic
knowledge of discharge planning requirements
When to screen a patient to determine if they need a
discharge plan
How to evaluate an individual and develop the
discharge plan
© 2017 Medicare Rights Center Page 16
Who qualifies for discharge planning?
Hospital inpatients
Medicare requirements:
Hospital screens inpatient to identify those who would be
at risk for complications without a discharge plan
Hospital provides detailed discharge plan if
Screening determines inpatient is at risk for complications
Inpatient’s physician requests discharge plan
Inpatient or caregiver requests screening, and screening finds
discharge plan is needed
Medicare recommendations:
Hospital provides detailed discharge planning to all
Medicare inpatients
© 2017 Medicare Rights Center Page 17
Who qualifies for discharge planning?
Hospital outpatients
Medicare requirements:
Hospitals are not required to provide discharge planning to
outpatients
Medicare recommendations:
Hospital provides discharge planning to outpatients
Can be shortened discharge plan
Especially those who are discharged from observation
stays, same-day surgery, or the emergency department
© 2017 Medicare Rights Center Page 18
Discharge planning steps
© 2017 Medicare Rights Center Page 19
Hospital should start screening patient for the
need for a discharge plan when patient is formally
admitted, or as soon as possible
Hospital staff share discharge plan with patient
and/or caregiver(s)
Discharge plan is implemented
If hospital determines patient needs a discharge
plan, appropriate hospital staff conduct an
evaluation of patient and create plan
Discharge plan screening
Hospital should screen patient when they are
admitted to determine if they will need a
discharge plan
For more complicated cases that may delay
screening, Medicare recommends that
screening occur within 48 hours before patient
is discharged
If patient’s condition worsens after first
screening, they should be screened again
© 2017 Medicare Rights Center Page 20
Who creates the discharge plan?
Must be developed or supervised by registered
nurse, social worker, or other qualified hospital
staff
If not nurse or social worker, discharge planner
must have
Previous discharge planning experience
Knowledge of the social and physical factors that
affect a patient’s functional status at discharge
Knowledge of community services and resources
© 2017 Medicare Rights Center Page 21
Discharge planning evaluation
Patients whose screening reveals a need for
discharge plan receive formal evaluation
Hospital should consider
Patient’s functional status and cognitive ability
Type of post-hospital care that patient needs
Availability of required post-hospital health care
services
Availability and capability of family and/or friends to
provide follow-up care in the home
© 2017 Medicare Rights Center Page 22
Discharge planning evaluation (continued)
Evaluation includes assessment of
Patient’s physical, psychological, and social needs
Patient’s goals and preferences as explained directly
by patient or caregiver
Whether it is realistic for patient to return to their pre-
hospital environment (home or facility)
Hospital must be familiar with abilities and
capacity of local service providers so they can
create realistic discharge plans that meet
patient needs
© 2017 Medicare Rights Center Page 23
Patients returning home
Discharge planning evaluation must identify
Patient’s ability for self-care
If there are caregivers who can be trained to provide
care
Patient’s need for further health care services
For example: Follow-up appointments, home health
care, physical or occupational therapy, hospice, dialysis,
durable medical equipment (DME)
Available supportive social services
Patient’s need for home modifications,
housekeeping, and/or meal services
© 2017 Medicare Rights Center Page 24
Patients returning to facility
Discharge planning evaluation must identify Whether the patient has a preferred facility
Whether facility has capacity for patient after hospital stay
Patient’s access to insurance coverage for post-hospital care
Hospital staff should know Medicare and Medicaid
requirements for post-hospital care coverage
Should inform patient if they will have to pay out of pocket
Providers must give patients list of available Medicare-
participating skilled nursing facilities (SNFs) that serve the
geographic area the patient requests
Medicare recommends that hospitals form partnerships
with post-hospital care providers
For example: Centers for Independent Living (CILs), aging and
disability resource centers (ADRCs)
© 2017 Medicare Rights Center Page 25
Discharge plan implementation
Hospital staff shares discharge plan with patient and/or caregiver
Medicare requires hospital to arrange for initial implementation
Patients returning home must receive Easily readable discharge plan
Checklists
Plain, culturally sensitive language free from jargon or acronyms
Legible and complete medication list with drug dosage and administration
In-hospital training and education for patient and/or caregiver
Teach-back approach: Patient and caregiver explain instructions back to provider to ensure understanding
© 2017 Medicare Rights Center Page 26
Discharge plan implementation (continued)
Hospitals at a minimum must arrange, if
needed, the following:
Transfer to post-hospital facility that accepts
Medicare or is in-network
Referrals to nearby home health agencies or hospice
providers that accept Medicare or are in-network
Referrals to follow-up appointments and DME
suppliers
Referrals to community resources
© 2017 Medicare Rights Center Page 27
Documentation requirements
Hospital inpatient’s file should contain the
following
Discharge planning evaluation
Summary of patient’s stay
For example: Treatments, symptoms, pain management,
whether patient was in seclusion or physically restrained
Documentation of conversation about discharge plan
that hospital staff member had with the
patient/caregiver
Copy of the discharge plan
© 2017 Medicare Rights Center Page 28
Appealing hospital discharge
Beneficiaries can appeal if they think the hospital is making
them leave too soon• Steps to ask for a review are listed on the Important Message from
Medicare notice • Beneficiary should receive the notice within two days of entering the hospital
as an inpatient
• A hospital discharge appeal goes to the Quality Improvement
Organization (QIO), an independent body that decides on inpatient
discharge appeals
Patients should pay close attention to the deadline for requesting an
appeal
Most QIO decisions are expedited, and the QIO must tell the
beneficiary its decision by close of business the day after the
appeal is made If appeal is filed on time, hospital cannot charge patient until QIO
makes its decision
Further levels of review are available
© 2017 Medicare Rights Center Page 29
Post-hospital care
© 2017 Medicare Rights Center Page 30
Types of post-hospital care
Medicare coverage includes
Outpatient therapy services (Part B)
Skilled nursing facility (SNF) care, including skilled
nursing and therapy care (Part A)
Home health care (Parts A and B)
Hospice care (Part A)
Medicare does not cover long-term care
Patients requiring long-term care likely need to get
coverage from other sources, such as Medicaid
© 2017 Medicare Rights Center Page 31
Part B outpatient therapy coverage
Part B covers
Outpatient physical, occupational, and/or speech therapy
Part B covers if
Patient needs therapy, and their doctor considers it a safe
and effective treatment
Patient needs technical skills that trained therapist can provide
or oversee
Doctor or therapist sets up plan of treatment before care
begins
Therapist performs services or directs staff who perform
services
Doctor or therapist regularly reviews plan of treatment to
see if changes are needed
© 2017 Medicare Rights Center Page 32
Part A SNF coverage
Part A covers Semi-private room and meals
Skilled nursing and/or therapy (see next slide)
Medically necessary medications
Medical supplies and DME
Medical social services
Ambulance transportation, when necessary
Part A covers these if patient Has been hospital inpatient for 3 consecutive days prior to SNF
stay
Enters Medicare-certified SNF within 30 days of leaving
hospital
Needs skilled nursing care 7 days/week or therapy at least 5
days/week
© 2017 Medicare Rights Center Page 33
Skilled nursing care
Care that needs to be performed by a registered nurse
(RN) or licensed practical nurse (LPN)
Services may include:
Intravenous injections
Tube feeding
Catheter changes
Changing sterile dressings on a wound
Training patient and caregiver to perform required tasks
Observation and assessment of individual’s condition if they
may have complications or their health may worsen
Management and evaluation of plan of care
© 2017 Medicare Rights Center Page 34
Skilled therapy services
Unlike outpatient therapy, covered by Part A
Services that can only be performed safely and
correctly by a licensed therapist and that are
reasonable and necessary for treating an illness or
injury
Services include
Physical therapy
Speech-language pathology
Occupational therapy
© 2017 Medicare Rights Center Page 35
Parts A and B home health care coverage
© 2017 Medicare Rights Center Page 36
Parts A and B cover Intermittent skilled nursing care
Physical and speech therapy
DME and medical supplies
Medical social services
Home health aide services (personal care), in certain cases
Occupational therapy, if skilled care or other therapies needed
Parts A and B cover these if patient Is homebound
Needs skilled nursing services and/or therapy
Has a face-to-face meeting with a health care professional within 90 days of getting home care or 30 days after getting care
Has a doctor certify a plan of home health care every 60 days
Receives care from a Medicare-certified home health agency
Homebound requirement
Homebound typically means patient needs help to
leave the home, e.g., crutches, a walker, a
wheelchair, another person
Whether or not someone qualifies as homebound is
decided by a doctor’s evaluation of their condition
over an extended period of time, not on a daily or
weekly basis
Leaving home for medical treatment and attending a
licensed or accredited adult day care or religious
service is always permitted
© 2017 Medicare Rights Center Page 37
Excluded home health care services
Medicare’s home health care benefit does not cover:
24-hour-per-day care at home
most prescription drugs (these are covered by Part D)
meals delivered to someone’s home
prosthetic devices not used under a plan of care
care from a respiratory therapist
personal care by itself
Personal care is only covered if individual also needs skilled nursing or therapy care
housekeeping by itself
Housekeeping services are covered if provided during a covered home health aide visit to provide personal care
If the beneficiary is terminally ill, the Medicare hospice benefit may pay for some of these services
© 2017 Medicare Rights Center Page 38
Coverage of maintenance services
Medicare covers SNF, home health, and outpatient therapy
care regardless of whether the patient’s condition is temporary
or chronic, or whether or not the individual is improving
Restoration potential is not needed for a service to be covered
The improvement standard cannot be applied when Medicare is
determining coverage of claims that require skilled care
Although beneficiaries often hear otherwise, Medicare covers
services intended to help patients maintain their ability to
function or to prevent or slow worsening
A class action lawsuit against the Department of Health and
Human Services was settled in 2013, ensuring that the
improvement standard cannot be applied by Medicare or plans
Applies across the country
© 2017 Medicare Rights Center Page 39
Part A hospice care coverage
© 2017 Medicare Rights Center Page 40
Part A covers Doctor services and nursing care
Therapy
Short-term inpatient care
Short-term respite care for caregiver
Hospice aide and homemaker services
Drugs for pain management and/or symptom control
Grief and loss counseling
Part A covers these if patient Is certified by a doctor as terminally ill (i.e. a life expectancy of
six months or less)
Signs a statement electing hospice care instead of curative
care
Receives care from a Medicare-certified hospice agency
Can take place in hospital, nursing home, beneficiary’s home,
other health care settings
Medicare and long-term care
Medicare does not cover most long-term care,
such as
24-hour-per-day care
Meal delivery
Help with activities of daily living, if that is the only
care a patient needs
Care in an assisted living facility or nursing home
Individuals who have chronic illness or disability
and need extensive long-term support services
may need insurance other than Medicare to
cover those services
© 2017 Medicare Rights Center Page 41
Long-term care options
Medicaid All state Medicaid programs cover nursing home care and home care
Income and asset limits
Contact local Medicaid office to learn more
Program of All-Inclusive Care for the Elderly (PACE) and certain managed care demonstration projects (state-specific) Government program available in some states to individuals with
Medicare and Medicaid who meet other state standards
Contact local Medicaid office to learn more
Long-term care insurance Provided by private insurance companies
Generally covers nursing home care and home care
Veterans’ Affairs (VA) benefits Provides long-term care services to some eligible veterans
Contact local VA facility to learn more
© 2017 Medicare Rights Center Page 42
For more information and help
Local State Health Insurance
Assistance Program (SHIP)
www.shiptacenter.org
www.eldercare.gov
Social Security Administration
1-800-772-1213
www.ssa.gov
Medicare
1-800-MEDICARE (633-4227)
www.medicare.gov
Medicare Rights Center
1-800-333-4114
www.medicareinteractive.org
National Council on Aging
www.ncoa.org
www.centerforbenefits.org
www.mymedicarematters.org
www.benefitscheckup.org
© 2017 Medicare Rights Center Page 43
Medicare Interactive
Medicare Interactive www.medicareinteractive.org
Web-based compendium developed by Medicare Rights for use as a look-up guide and counseling tool to help people with Medicare Easy to navigate
Clear, simple language
Answers to Medicare questions and questions about related topics, for example:
“How do I choose between a Medicare private health plan
(HMO, PPO or PFFS) and Original Medicare?”
2 million annual visits and growing
© 2017 Medicare Rights Center Page 44
Medicare Interactive Pro (MI Pro)
Web-based curriculum that empowers professionals to
better help clients, patients, employees, retirees, and
others navigate Medicare
Four levels with four to five courses each, organized by
knowledge level
Quizzes and downloadable course materials
Builds on 25 years of Medicare Rights Center
counseling experience
For details, visit www.medicareinteractive.org/learning-
center/courses or contact Jay Johnson at 212-204-6234
© 2017 Medicare Rights Center Page 45
E-newsletter Released every two weeks
Clear answers to frequently asked Medicare questions Links to explore topics more deeply
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Sign up at www.medicarerights.org/about-mrc/newsletter-signup.php
© 2017 Medicare Rights Center Page 46