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      Medicare & Coverage Decisions

      The Fast Appeal When Care Is About to Stop

      A notice arrives saying that services end in two days. It carries a right to an expedited review by an independent body, the request has to be made almost immediately, and care generally continues while the review takes place.

      Medicare & Coverage Decisions6 min readFederal lawDenials and fast appeals

      The offices of an insurance company in Novato, California, seen from the approach road across the lawn
      Insurance company offices in Novato, California. — Mx. Granger, CC0, source.

      The rule in short

      When hospital, skilled facility, home health or hospice services are to be discontinued, the provider must give written notice explaining the right to an expedited review by an independent organization. The request must be made within a very short window, generally by the day before services end. Where it is made in time, care ordinarily continues pending the decision, and the review is completed within a day or so. Missing the window removes the fastest and most useful right, not all of them.

      The notice is short, it is often handed over at an awkward moment, and it contains the shortest deadline anybody in this subject will encounter. Families who act on it the same day get a proper review; families who read it twice and think about it overnight frequently do not.

      When the notice must be given

      Before services are discontinued. In writing, with a defined minimum period, which is what creates the short window in which the fast route can be used.

      For several kinds of care. Including hospital discharge, skilled facility care, home health services and hospice, each with its own notice but the same broad structure.

      Explaining the right to review. Naming the independent organization, giving contact details, and stating the date by which a request has to be made.

      And setting out liability. What the patient becomes responsible for, and from when, if care continues after the stated date without a successful challenge.

      It must be delivered and explained. Rather than simply left, though in practice it frequently arrives in a stack of paperwork at a difficult moment.

      What the expedited review actually is

      An independent organization decides. Separate from the provider and from the plan, which is what gives the review its value as a check.

      It is quick by design. Completed within roughly a day of the request in the ordinary case, so that it happens before care would otherwise stop.

      The provider supplies the record. Including the clinical basis for concluding that continued services are no longer covered.

      The patient may give their own view. Which should be given, since it is the only opportunity to put the patient's account in front of the reviewer directly.

      And care generally continues meanwhile. Which is the practical protection, and the reason the deadline is worth meeting even where the outcome is uncertain.

      Care being discontinuedFast review availableCare continues pending
      Hospital dischargeYesGenerally yes
      Skilled facility careYesGenerally yes
      Home health servicesYesGenerally yes
      Hospice servicesYesGenerally yes
      Request made after the deadlineNoNo

      Acting on the notice the day it arrives

      Find the deadline first. It is stated on the notice, and everything else depends on whether it is still open when the family starts reading.

      Telephone the organization named. Which is how the request is generally made, and which can be done immediately without any preparation.

      Say what is disputed. Briefly: that the patient still needs the care, and why, in the family's own words rather than in clinical language.

      Ask for the detailed explanation. The provider must give a fuller written statement of the reasons, which is what the reviewer will be considering.

      And notify the treating clinician. Since a physician who disagrees with the discontinuation can say so, and that carries considerable weight.

      This is the shortest deadline in the whole subject

      Almost every other period discussed in this area is measured in weeks or months. This one is generally measured from the arrival of a notice to the day before care ends, which can be a single afternoon. It routinely falls over a weekend, and it routinely arrives when a family is thinking about the patient rather than about paperwork. The only reliable protection is to treat any notice about care ending as something to act on the same hour it is seen.

      What happens after the decision

      If the challenge succeeds. Services continue on the existing basis, and the patient is in exactly the position they were before the notice.

      If it does not. Liability begins from a point set out in the notice, so continuing care after that becomes a private cost.

      A further expedited review may be available. At the next level, on a similarly compressed timetable, which is worth using where the clinical position is strong.

      The ordinary routes remain. Slower, and without continued services, on the structure set out in the five levels of appeal.

      And the discharge itself may be renegotiated. Since a facility that has lost a review, or expects to, will frequently revisit the plan without further process.

      Preparing before it happens

      Expect the notice. Facility and home health care is reviewed continually, and a discontinuation notice is a normal event rather than a sign of anything having gone wrong.

      Know who is responsible for reading post. Since these notices arrive at the facility or the home and are frequently found after the deadline by whoever visits next.

      Keep the clinician informed. So that a supporting view is available quickly rather than needing to be assembled from scratch in an afternoon.

      Understand what the care is classified as. Since coverage of facility care depends on the requirement in the three-day stay requirement.

      And keep the paperwork. Every notice and every decision, since the sequence matters if the matter goes further, as does the status history in observation status explained.

      The expedited review is one of the more effective protections in this whole area, and it is regularly wasted because nobody reads the notice in time. It is fast, it is independent, and it keeps the care running while it happens.

      That combination is unusual. Most review processes are slow and leave the person worse off while they run. This one was deliberately built to work in the opposite way, and it does.

      The cost of using it is close to nothing. A telephone call, made the same day, by anybody in the family. There is no form to prepare, no evidence to assemble first, and no penalty for asking and losing.

      The strongest cases are those where the treating clinician disagrees with the discontinuation, which is why letting the physician know immediately is worth as much as the call itself.

      Where the window has closed, the slower routes are still open and still worth using, particularly where the patient has had to leave a facility and the family is now paying privately.

      And for anybody with a relative in a facility or receiving home health care, the useful preparation is simply knowing that this notice will arrive one day and that the response to it is measured in hours rather than days.

      It is also worth understanding why these notices arrive at all, because families often read them as a judgment about the patient. They are not. Facility and home health care is reviewed against coverage criteria continually, and a notice means that somebody has concluded the criteria are no longer met, which is a technical assessment rather than a statement that the person is well or that nothing more can be done.

      That framing makes it easier to respond usefully. The question a reviewer answers is whether the criteria are still met, and the material that persuades them is clinical rather than emotional. A short note from the treating physician saying why continued care is required addresses the actual question, and it is generally available for the asking.

      Points to carry away

      • A written notice must precede the discontinuation of services.
      • It carries a right to expedited independent review.
      • The request window is measured in hours, not days.
      • Care generally continues while the review is decided.
      • Missing the window leaves slower routes available.

      Questions readers ask

      How quickly does the request have to be made?

      Very quickly. The notice sets out the date services end, and the request for expedited review generally has to be made by no later than the day before that date. In practice this can mean a matter of hours from the notice arriving, often over a weekend, often while a family is preoccupied with the patient's actual condition. It is the shortest deadline in this entire subject, and it exists because the review itself is designed to be completed before the care would otherwise stop.

      Does care continue during the review?

      Generally yes, where the request was made in time. That is the central value of the expedited route: it converts a decision that would otherwise take effect immediately into one that is reviewed before it bites. Where the review upholds the discontinuation, liability for continued care may begin from a defined point, which is set out in the notice. Where it does not, the services continue on the existing basis and the patient is no worse off for having asked.

      What happens if the window has already passed?

      The fast route is gone but the ordinary routes remain. A discontinuation can still be challenged through the standard appeal process, which is slower and does not keep services running while it proceeds. That is a materially worse position, particularly for somebody who has had to leave a facility in the meantime, but it is not nothing, and appeals brought this way do succeed. The practical lesson is that the notice should be acted on the day it arrives rather than read and set aside.

      Sources

      1. 42 U.S.C. § 1395ff — Determinations and appealslaw.cornell.edu
      2. 42 U.S.C. § 1395cc — Agreements with providerslaw.cornell.edu
      3. 42 U.S.C. § 1320c-3 — Functions of review organizationslaw.cornell.edu
      4. Medicare — Appealsmedicare.gov
      5. Legal Information Institute — Medicarelaw.cornell.edu
      6. Legal Information Institute — Due Processlaw.cornell.edu

      Silverline Legal Notes is a publication, not a law firm. This article states general rules and cites its sources; it is not advice about any particular case, and the law differs by state and changes over time.

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