If you’re considering pursuing a nursing home abuse or neglect case, you may be wondering if Medicare insurance will cover the medical costs, and if so, if you’ll need to pay them back.
In most cases, the answer is yes, but there are some exceptions and it doesn’t mean you’re not able to proceed with an abuse case.
To figure out how the nursing home you have chosen for your family is rated and to see if the home has any prior violations, check out our nursing home index. We’ve compiled all of the nursing homes in Arizona as well as their health code reports.
Additionally, take a look at our Nursing Home Glossary– an index of important words you need to know in a nursing home abuse case and their definitions.
Understanding how Medicare works can be confusing at the best of times, our article explains how Medicare relates to nursing home abuse claims and what costs they might be able to recoup from any potential settlement you’re granted by the court.
According to the Centers for Medicare and Medicaid Services (CMS), the state leads the certification process and works in conjunction with state regulatory bodies.
The CMS website states:
“Skilled nursing facilities (SNFs) and nursing facilities (NFs) are required to be in compliance with the requirements in 42 CFR Part 483, Subpart B, to receive payment under the Medicare or Medicaid programs. To certify a SNF or NF, a state surveyor completes at least a Life Safety Code (LSC) survey, and a Standard Survey.”.
Nursing homes may face a number of punitive consequences if they are not in compliance, including:
It is this obligation to comply that should, at least in theory, prevent abuse from occurring, but unfortunately nursing home injuries are still far too common.
Although some public funding is available to cover long term care homes, basic nursing home services (feeding, bathing, dressing) are considered “custodial services,” and are generally not covered by Medicare.
However, other treatment and medical support that requires skilled medical staff can be covered in some instances. Here’s the basic breakdown of Medicare coverage:
Medicare does not cover long term care, dental care, eye exams, foot care, or some other extraneous costs.
These rules will generally apply whether a person is in the nursing home or not.
In the case that long term care is required as a result of nursing home neglect or abuse, Medicare may not want to cover this, but you may be within your right to pursue coverage, depending on the details of the case.
Determining whether or not something “should” be covered can be a good reason to consult a lawyer, especially in light of an abuse allegation.
Generally nursing homes are not responsible for tracking medicare benefits put towards caring for a particular patient, but they must offer consistent and regular services to ensure high quality of life. This includes the right to:
As far as getting coverage goes, the bottom line is that your loved one should get Medicare coverage in accordance with the plan that they are on, no matter what type of injuries occur in the home.
The abuse claim will more likely involve the home care company directly, rather than insurers.
It can be difficult to know the root cause of abuse or neglect in any case. This is only one of many reasons you should hire a qualified legal representative to assist you with your case.
The way the trial progresses depends on the cooperation of the defendants, for instance, through the trial hearing process.
If your mother, father or loved one suffered injuries as a result of abuse that were then treated and paid for by Medicare then they may be able to reclaim the cost from any settlement you receive.
Your lawyer will be able to help you wade through Medicare paperwork to understand the amount of Medicare reimbursement that will need to be paid back after the settlement.
It’s important to note that the settlement amount will consist of various types of damages, and will incorporate other, non-economic variables such as emotional pain and suffering.
It is possible to reach a substantial settlement in nursing home neglect or abuse cases. But because each case is so different and complex, it is difficult to determine ahead of time without a thorough investigation and gathering of evidence.
And it’s important to note that, depending on the contract, most nursing homes will push for settlement before anything goes to court.
It’s very important to report elder abuse so keep all records, all evidence, all paperwork — anything that could be used as evidence will be important for the rest of the claim and to build a case, including anything to do with private insurance and Medicare.
In accordance with federal laws, there is a medicare/medicaid lien on negligence injury cases.
This means that, if you reach a settlement, Medicare and Medicaid are entitled to reimbursement if a third party caused the injury.
If the resident needed hospital care in relation to injuries sustained at the nursing home, these should be covered by Medicare.
Per 42 C.F.R. §411.24, the CMS will cover any medical costs necessary, and have a legal right to ask for reimbursement so long as a settlement has been reached from the third party or the person in receipt of payments from the third party. This is known as a Medicare lien.
Your attorney will help you to understand the terms of the payment, which benefits Medicare covered, and how much Medicare should receive.
Once Medicare learns of a settlement case, they will send a demand letter to the beneficiary and the entity who is liable, for reimbursement.
Interest will begin accruing on the debt at the date of this demand letter.
The letter will indicate the exact amount owed and the right steps for paying off the debt, and Medicare does take into account the claimants other expenses such as legal fees (Per §411.37).
Anyone who officially receives this letter has the right to an appeal, for instance, if a debtor believes there has been an error, they can appeal.
In some circumstances (such as financial hardship), your lawyer be able to help you negotiate repayment down or have it waived.
You can find out more about the CMS demand letter on the CMS website.
As work towards a settlement or trial for a nursing home abuse claim, refer to Arizona legislation (A.R.S.) section 46-455: damages for pain and suffering, which states:
“A person who has been employed to provide care, who is a de facto guardian or de facto conservator or who has been appointed by a court to provide care to a vulnerable adult and who causes or permits the life of the adult to be endangered or that person’s health to be injured or endangered by neglect is guilty of a class 5 felony.”
The claim will likely end up incorporating different charges and may even be claimed against multiple entities.
Medicare coverage and reimbursement is just one portion of the claim and pain and suffering will make up part of the amount you recieve for a settlement – it’s therefore unlikely your full settlement will be reclaimed by Medicare.
It’s important to note that the settlement payment will be based on different types of damages, including, for instance, punitive damages, depending on what the charges are.
If you’re considering legal action against a nursing home, one of our compassionate attorneys can help you determine the best course of action.
If you have a case, we will work with all parties through the settlement process to get you the compensation you deserve.
We’re here for you. Call us today and find peace of mind.
What is a conditional lien for Medicare?
A conditional lien is when Medicare covers injuries but expects that money to be reimbursed at the time of settlement.
What happens with Medicare in a nursing home injury lawsuit?
Medicare coverage should continue for all hospital-related injuries (and other care) per the normal policy, whether the nursing home is deemed liable or not.
What if my settlement offer is too low?
Any settlement suit is going to be difficult, and a qualified attorney will be there managing the negotiations for you.
How much will Medicare take from my settlement?
Medicare will expect reimbursement for all injuries and costs which it covered in relation to the injury or accident. The exact amount will depend on the case details. Your settlement amount should also incorporate expenses accrued as a result of emotional trauma. These costs can be hard to estimate but a qualified attorney will work on your behalf to find the best solution.
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