Many families would like to bring their loved ones home from long-term care facilities for a few days, especially over important holidays, but they are often concerned about the repercussions of doing so. Two of the most common fears are losing Medicaid or Medicare coverage for their stay and possibly losing their bed in the facility.
The good news is that nursing home residents are typically permitted to take some time away from the facility for “therapeutic leave” (defined as a home visit to enhance psychosocial interaction), “non-medical leave” and hospital stays. Assuming the health of the resident permits and their doctor agrees, the resident can leave the facility for a few hours or days to spend time visiting with friends and/or family. Such a “leave of absence” must be arranged well in advance with the facility’s staff so they have time to prepare any medications the patient will need as well as instructions for the temporary family caregivers.
In addition, there are specific rules for these outings, depending on how the resident’s inpatient care is being paid for. Medicaid, Medicare and private insurance all have different policies on top of the facility’s own unique regulations.
Medicaid Bed Hold Policies
The length of time a resident is permitted to leave a skilled nursing facility (SNF) under Medicaid rules depends on which state they live in. For example, Michigan’s Medicaid program allows a maximum of 18 days within a continuous 365-day period. Colorado’s state Medicaid program, Health First Colorado, is quite generous, permitting up to 42 days of covered physician-approved non-medical leave per calendar year. Assuming the allotted number of days is not exceeded, the resident’s bed will be reserved until they return and the expense will be paid by Medicaid (sometimes at a reduced rate). Families may be able to pay for additional time away from the facility privately.
However, there are a few states that permit non-medical leave, but do not pay to reserve a resident’s bed while they’re away. A resident (usually with the help of their family) may have to pay privately to hold the bed while they are gone. Otherwise, upon their return they may only be entitled to the first available bed in a semi-private room. If your loved one is receiving Medicaid-covered care in an SNF, you’ll need to check with the facility about their bed hold policies as well as the state’s regulations to make sure your plans are in compliance.
Medicare Leave of Absence Rules
Unlike Medicaid, Medicare only covers medically necessary short-term rehabilitative stays in a SNF under specific conditions. One of the most widely known conditions for coverage is a qualifying three-day hospital stay. Most patients who require this high level of care are unable to safely leave the facility, but leaves of absence may be possible in some instances. The Medicare Benefit Policy Manual cites special religious services, holiday meals, family occasions, car rides and trial visits home as reasons why a patient could receive an outside pass.
When it comes to counting inpatient days for billing purposes, though, things can become complicated quickly. Medicare always uses full days as units for charging purposes and the midnight-to-midnight method to determine whether or not a particular day “counts.” According to the Manual, “A day begins at midnight and ends 24 hours later.” This means that the timing of a loved one’s “break” from the facility is extremely important.
For example, if a resident leaves at noon for a grandchild’s birthday party, this day would be covered by Medicare as long as they are back at the SNF by midnight of the same day. On the other hand, if a resident were to leave the facility at 7 p.m. on December 24 to have a family dinner and then attend midnight mass, they would likely return to the SNF very early in the morning on December 25. In this case, Christmas Eve would not count as an inpatient day, but Christmas Day would.
In the event that a resident takes an overnight leave of absence, any uncovered days of service will have to be paid for privately. Nursing homes typically have a “bed hold” policy in place that dictates rates and terms for reserving a bed during a resident’s absence. The facility MUST notify the resident of the bed hold policy in writing and how it will be applied before they take their leave, otherwise the facility cannot charge them.
Other Types of Coverage
Finally, note that if nursing home care expenses are being paid through a private health insurance policy or long-term care insurance plan, you must check with that company to find out their rules for leaves of absence. Not every policy will permit a resident to leave for visits without causing a loss of coverage.
The premise of covering a stay in a SNF is that the patient cannot safely live without such a high level of inpatient care. If long and frequent leaves of absence are possible, then the entities paying for this care will begin to doubt that it is actually necessary and refuse to pay. Be sure to cover all your bases when planning a holiday or outing for your loved one. A mistake could be quite costly.