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Hello. Need advice. My boyfriend is 53 and he had his leg amputated on May 14th. He was transferred to Skilled Nursing on May 24th. He has still got his stitches in, waiting to see the surgeon, on pain meds, doing PT and OT, however they presented him with the Medicare non-coverage letter after today. He's was told it would take he would be in there 10 weeks possibly, and I'm wondering why they didn't tell him this sooner, they said he could have appeal, and he has, he has not gotten his prosthetic yet all he has done is been able to stand a couple times with assistance. He lives with his daughter who works and he has been practicing going down the hall with the wheelchair. He has been able to transfer from bed to chair and sometimes chair to bed. Do you see this as them justifying he's ready for outpatient treatment? or in home? Just based off this has anyone else been sent home that soon? He was on IV antibiotics until till 4 days ago. Thank you so much.

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I am a bilateral amputee, as well as 8 fingers amputated. I was deathly ill prior to the amputations (septic shock). PT/OT included two weeks of training to do the transfers you mentioned. There was no standing, obviously. Then I went home,

What you are describing is normal. I know it is scary, but it is normal. He can continue to heal at home. Once his stitches are out, he will work with his prosthetist at an office. PT appointments can begin to practice walking. I also practiced falling - to learn how to get up.

I read through all the other comments. They are trying to be helpful, of course. However, unless one has actually been through this, one can't know. The hardest part may be that going home is very scary. Again, quite normal.

There are several amputee sites on Facebook. Reach out to one or more.
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Makmom56 Jun 2020
Hi, thank you so much. I really needed to also hear from another amputee along with the others as well. I need to ask him if they have done fall prevention etc.. he is a 400 pound guy and is losing weight but still everything will be twice as hard. His daughter gets all the medical from the doctor etc.
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Based on the comments and your answers to them, it looks like he doesn't have original Medicare. It looks like he has a Medicare Advantage plan.

What that means is that Medicare isn't making the decisions, the insurance plan is. To see the difference between original Medicare and Medicare Advantage there is a 15 minute Medicare Class video (free) at http://MedicareQuick.com/Class that explains it pretty well.

Fortunately, there is an appeals process for Medicare Advantage Plans. Step one is to file an appeal with the insurance company. Make it an emergency appeal so they have to give an answer right away. Additionally, he can't be discharged while an appeal is in process.

There are several levels of appeals so be sure to continue to the next level if he is denied.

Also, ask about the Ombudsman program. This will vary by state, but it's an agency that deals with complaints against nursing home facilities.

And if he's on Medicaid, see if there is someone in that office that can assist. Additionally, if he is 100% full share of cost (meaning he doesn't pay anything) and your state allows it, he may want to dis-enroll from the Medicare Advantage Plan and go back to original Medicare, with Medicaid paying the co-pays and deductibles of Medicare. Obviously you'll want to talk with someone who knows the ins and outs of your state prior to doing this, because there is on limit on your potential costs with original Medicare.

Finally, if there is a Legal Aid in your town, or nearby, contact them to see if they can assist as well.

Hopefully, you'll get some relief. I'm sorry that the two of you are going through this.
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maryqesq1 Jun 2020
Medicare advantage plans limit rehab . Last year my dad and I were in post hospitalization rehab at a SNF after pneumonia. His plan limited his rehab to x3 per week. Original Medicare paid x5 per week for me. He was discharged to board and care At about 6 weeks. I was able to stay full 100 days.
You get what you pay for.
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When Medicare says your time in a facility is up and your coverage is ending, most facilities can’t get you out fast enough. My husband could have used more time in physical a d occupational therapy as well, but he reached the end of his coverage and the rehabilitation facility said bye-bye.

Have him contact the social worker at the facility for help. Make sure that he and his daughter meet with the discharge planner to set up home health aides, nursing care and therapy. Medicare will pay for that.
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Makmom56 Jun 2020
Thank you so much. I'm waiting to hear back from him and will pass this on. Kind regards.
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Usually at this point folks are discharged to home for out patient PT. Often people leave the rehab centers without the prosthesis. It can take a while to make.
I don’t think it’s an unreasonable DC. They have to move him out due to insurance rules.
If he is able to do what you say it’s time for him to try outpatient PT. What else can they do? Now it’s up to the patient to do the work to get better.
If he can’t then maybe apply for community Medicaid for NH placement but from what you’ve said he is progressing nicely.
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Makmom56 Jun 2020
Yes I agree, now that you say it this way, just wasn't sure not having the prosthetic. Thank you so much for the reply.
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Do not let them discharge him. You and especially his daughter need to make it loud and clear it would be unsafe to send him home. There is no one to take care of him at home. Who was it that told him 10 weeks? The doctor needs to help with the appeal to Medicare if Dr. believes he needs more time there.
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Makmom56 Jun 2020
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Are you sure it’s a Medicare denial? I’m asking because of his age. Has he applied for Medicaid?
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Makmom56 Jun 2020
Yes, I have a screenshot and it's definitely Medicare. He has Humana Gold.
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Is BF on Social Security Disability and Humana is his Medicaid insurance?
I am surprised that he is being released so early for an amputation. The PT alone should take more than the 20days Medicare pays 100% for. What is the reasoning they are giving for the discharge? Has he hit a plateau? Maybe the facility is not equipped to give him the full physical therapy he needs? My friend, who lost a leg, was in a specialized rehab. They actually had a car so he could learn how to get in and out of it.

I agree, call his surgeon and tell him what is going on.
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Makmom56 Jun 2020
I don't believe it is Medicaid. He is 53. SSI for sure. I will double check though. He did say they told him he was doing very well, his words, which they could mean he hit the goals. Thank you so much for the info.
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Makmom, SSI in Supplimental income or actually Social Security Disability. Two different things. I will go with disability since he gets Medicare.

Chelly, seems he is on SS disability. As such, he receives Medicare and maybe Medicaid. Medicare determines how long you will be in rehab based on the reports that the Therapist sends them. All he can do is appeal the finding. There have been members who have been successful. Hopefully they will chime in.
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Imho, you should speak to the Ombudsman. This man was very similar to a patient who was in the Nursing Home at the same time as my late mother. He, too, was 53 years of age and was a recent amputee of his leg. He confided in me that the Nursing Home was pushing him to get out and he hadn't even received his prosthetic limb! You MUST advocate for your boyfriend.
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worriedinCali Jun 2020
It takes months to get a prosthetic limb. We all understand that right? It’s not realist to stay in rehab for months if you can’t afford it.
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https://medicareadvocacy.org/take-action/self-help-packets-for-medicare-appeals/

Improvement Standard, that is the name of your issue. Traditional Medicare covers up to a 100 days of in-patient rehab services. 20 days at 80% and the 80 days at 50%. However, the patient needs to participate in therapy and show improvement.

He can appeal. However, failure of the appeal means that he would need to pay the facility. If he has that kind of resources to take on that financial risk, then you should ask the facility for an estimate for private pay now. They may have a better rate if he pays direct and they don't submit to insurance.

In appeal, he would be arguing that he is continuing to improve and therefore Medicare should continue to grant coverage. Typically a lawyer won't have much value to add. You can read more about this issue at the Center for Medicare Advocacy, medicareadvocacy.org.
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Makmom56 Jun 2020
Thank you for your information this is a huge help. 🙂
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