Most families understand basic needs and have basic information when looking into a skilled nursing facility for long or short term stays for their loved one who is being discharged from a hospital. There are a couple of things you should inquire about with your loved ones HMO’s or any other insurances when it comes to payment during your loved ones stay.
Ventura Convalescent Hospital Administrator, Renee Jones, states “many families are unfamiliar with Medicare or HMO co-pays during their loved ones stay and should inquire as much information regarding their coverage in preparation if hospitalization or skilled nursing is required”. Families are faced with many decisions during a hospitalization which is both financially and emotionally difficult when they are not prepared bringing additional stress not only to the family, but could leave their loved one feeling helpless as well. Medicare pays only up to the first 20 days and thereafter, the co-pay is the responsibility of the resident which is about $157.00 per day. If you have an HMO insurance, it will cover the first 10 days then the resident must pay the $157.00 per day according to Administrator, Renee Jones. Additionally, states Renee Jones, most people recently transferred into a skilled nursing facility long or short term assume their physician will continue to follow the patient but most often, that is not the case. A physician will be assigned from the skilled nursing facility when the patient has arrived.
In addition, one of the most important documents in preparing for a possible hospitalization is obtaining an Advanced Health Care Directive to avoid the many problems that some families may encounter while a loved one is hospitalized.