A pregnant woman stands in a field and the blog title appears: Improving Healthcare Access for Rural Patients

Improving Healthcare Access for Rural Patients

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EligibilityAdvocates Blog

Improving Healthcare Access for Rural Patients

Posted on Thursday, February 24, 2022

Rural patients are still lacking insurance at a higher rate than non-rural patients.

Statistically, patients with inadequate health coverage may delay or forgo medical care due to financial concerns. This includes “underinsured” patients whose health plans can leave them with high out-of-pocket costs that they cannot afford to pay.

Rural patients face other barriers to healthcare access, which may include:

  • Living long distances from healthcare facilities/specialists.
  • Poverty.
  • Provider shortages.
  • Rural facility service cutbacks.
  • Rural hospital closures.

Unfortunately, the COVID-19 pandemic has exacerbated these issues for rural healthcare.

Hope for Rural Healthcare: Improving Healthcare Access for Rural Patients


A pregnant woman stands in a field and the blog title appears: Improving Healthcare Access for Rural Patients

Together, we can begin improving healthcare access for rural patients in your community.

Addressing potential financial issues for rural patients and their healthcare organizations can significantly improve healthcare access.

Our proprietary screening software, AdvocatorAI, can empower your employees to assist uninsured patients with identifying existing health coverage or alternate funding sources for their medical bills.

By doing so, you can drastically reduce or eliminate out-of-pocket medical expenses for your patients.

Most importantly, you can provide them with the peace of mind that health insurance or financial assistance brings so that monetary worries no longer inhibit them from accessing care.

Furthermore, you will reduce uncompensated care to improve your revenue cycle and better ensure you won’t have to cut back on services and your providers can continue serving your patients and community.

Why EligibilityAdvocates?


EligibilityAdvocates can help you improve healthcare access for rural patients by enhancing the financial outlook of your patients, your organization, and your community.

Here are just a few reasons to choose EligibilityAdvocates as your rural facility’s partner in patient eligibility services:

  • We operate as an extension of your team, not a replacement: We do not want to take jobs away from your community; we are here to assist your current team members by providing access to resources such as industry-leading technology, clearinghouses, and a support team at our business office for follow-up.
  • All accounts are worked: Our follow-up team works all accounts no matter the balance and all unlinked accounts are closed within 30 days, keeping your A/R days down.
  • Our state-of-the-art technology is designed to serve you and your patients: Utilizing AdvocatorAI, your staff can screen patients to find health coverage or program eligibility in real time while increasing patient engagement and supporting patient advocacy through financial counseling and assistance.
  • Our real-time online reporting platform provides account transparency: Drill down to account-specific detail at any time and easily download reports.
  • Don’t miss out on valuable out-of-state Medicaid reimbursement: We can bill and follow up on out-of-state Medicaid accounts on behalf of your facility and are experienced in all 50+ state Medicaid programs.
  • We believe in impacting communities, one patient at a time: Read our Community Impact Stories to learn how we are making a difference in the communities we serve.

Our complementary goals of promoting patient advocacy and protecting the financial viability of your rural facility go hand-in-hand. Let’s work together and empower your team to break down barriers to healthcare access.

Connect with us. Together, we can begin improving healthcare access for rural patients in your community.


By Stephanie Salmich

The No Surprises Act protects patients from surprise medical bills, like the one received by the patient in this picture.

The No Surprises Act: Protections for Insured & Uninsured Patients

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EligibilityAdvocates Blog

The No Surprises Act:

Protections for Insured & Uninsured Patients

Posted on Monday, November 15, 2021

The bipartisan No Surprises Act will go into effect on January 1, 2022.

The No Surprises Act is intended to protect patients from surprise medical bills (when patients are unknowingly treated by out-of-network providers) and balance billing (when patients are charged for the remainder of what their insurance does not pay).1

Read on for an overview of the new rules and how this law affects both insured and uninsured patients.

Overview of the No Surprises Act


“Requirements Related to Surprise Billing; Part I,” an interim final rule issued July 1, 2021:
  • “Bans surprise billing for emergency services” which “must be treated on an in-network basis without requirements for prior authorization.”1
  • Restricts surprise billing for “non-emergency care from out-of-network providers at in-network facilities,”2 which protects patients who are not given the chance to choose an in-network provider.
  • Restricts surprise billing for “air ambulance services from out-of-network providers.”2
  • Extends protections from balance billing, which is already prohibited by Medicare and Medicaid, to “Americans insured through employer-sponsored and commercial health plans.”1
“Requirements Related to Surprise Billing; Part II,” an interim final rule issued September 30, 2021:
  • “Details a process that will take patients out of the middle of payment disputes.”3
  • Provides “a transparent process to settle out-of-network (OON) rates between providers and payers.”3
  • Outlines “requirements for health care cost estimates for uninsured (or self-pay) individuals.”3

How Does the No Surprises Act Protect Uninsured Patients?


The No Surprises Act protects patients from surprise medical bills, like the one received by the patient in this picture.

The No Surprises Act protects patients from surprise medical bills.

This law requires that providers or facilities inquire about patients’ insurance status when scheduling and “provide a good faith estimate of expected charges for items and services” to uninsured/self-pay patients (those who do not have benefits for an item/service under a health plan or who choose not to have a claim submitted to their plan for the item/service).4

CMS Administrator Chiquita Brooks-LaSure explained, “we are requiring health care providers and health care facilities to provide uninsured patients with clear, understandable estimates of the charges they can expect for their scheduled health care services.”3

If an uninsured or self-pay patient is billed for an amount “substantially in excess” ($400 or more) of the good faith estimate they received, they may be eligible for the “patient-provider dispute resolution process” to determine a payment amount. This process must be initiated within 120 days of receipt of the bill.4


In addition to instituting financial safeguards, the No Surprises Act can also improve healthcare access. As HHS Secretary Xavier Becerra stated, “No patient should forgo care for fear of surprise billing.”1 With these new rules in place, patients may be less likely to postpone or avoid needed healthcare due to concerns about the financial ruin that often comes from surprise medical bills.

Lowering Patients’ Healthcare Costs


The new protections established by the No Surprises Act can help lower both insured and uninsured patients’ out-of-pocket healthcare costs by sheltering them from unexpected and/or excessive medical bills.

EligibilityAdvocates can further reduce patients’ medical expenses by helping them obtain health coverage and/or financial assistance. Our Patient Advocates work one-on-one with patients to determine their eligibility for various insurance plans and benefit programs and assist them with the application process.

Additionally, we can help patients resolve their patient balances and understand their patient responsibility.

Contact us to learn more about how the No Surprises Act will affect patients or to get in touch with a Patient Advocate.

Sources

1 CMS (U.S. Centers for Medicare & Medicaid Services). “HHS Announces Rule to Protect Consumers from Surprise Medical Bills.” (2021). Retrieved from https://www.cms.gov/newsroom/press-releases/hhs-announces-rule-protect-consumers-surprise-medical-bills

2 CMS (U.S. Centers for Medicare & Medicaid Services). “Overview of rules & fact sheets.” (2021). Retrieved from https://www.cms.gov/nosurprises/Policies-and-Resources/Overview-of-rules-fact-sheets

3 HHS (U.S. Department of Health & Human Services). “Biden-Harris Administration Advances Key Protections Against Surprise Medical Bills, Giving Peace of Mind to Millions of Consumers Plagued by High Costs.” (2021). Retrieved from https://www.hhs.gov/about/news/2021/09/30/biden-harris-administration-advances-key-protections-against-surprise-medical-bills.html

4 CMS (U.S. Centers for Medicare & Medicaid Services). “Requirements Related to Surprise Billing; Part II Interim Final Rule with Comment Period.” (2021). Retrieved from https://www.cms.gov/newsroom/fact-sheets/requirements-related-surprise-billing-part-ii-interim-final-rule-comment-period


By Stephanie Salmich

A Patient Advocate assists a patient, and the blog title appears – The Keys to Increasing Patient Collections: Patient Communication & Financial Education

The Keys to Increasing Patient Collections: Patient Communication & Financial Education

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EligibilityAdvocates Blog

The Keys to Increasing Patient Collections:

Patient Communication & Financial Education

Posted on Monday, April 12, 2021

A successful strategy for increasing patient collections must be proactive.

Unfortunately, many patient collection efforts are hindered by reactive methods (e.g., lack of price transparency or out-of-pocket estimates, hard-to-decipher medical bills) that result in uncertainty, stress, and confusion for patients.

When patients are confused about what they owe and why they owe it, they often delay making payments or do not pay their bill at all. Additionally, those with high or unexpected medical bills are more likely to call the hospital’s billing office with questions or complaints. And if they feel they’ve had a poor experience with the billing department, they are less likely to pay their bill in full or in a timely manner.

A Proactive Plan for Increasing Patient Collections

A proactive approach involves two key elements: patient communication and financial education. EligibilityAdvocates employs both in the services we offer.

Patient Communication


EligibilityAdvocates’ on-site patient eligibility service increases self-pay conversions and improves patient collections through better patient engagement. Our Patient Advocates meet with patients one-on-one and in-person to assess and help them understand financial assistance opportunities and their options, all while they are still at your facility and before they are billed.

Equipped with mobile screening technology, our Patient Advocates are also able to meet with patients at home, in the field, or at bedside. We also offer Emergency Department staffing and expanded hours compared to most patient eligibility and enrollment services. We have on-site Patient Advocates available at a minimum of 12 hours/day, 6 days/week, helping to ensure your patients find support when they need it.

Furthermore, we want to improve the patient experience with consistent communication which includes follow up with email, SMS text, and phone calls. Rather than waiting for (potentially upset) patients to call you, we reach out to them before they receive a complex bill that leads to anger, frustration, or bad debt for your organization.

Financial Education


Our Patient Advocates provide financial education to patients by counseling them on the financial aspects of their healthcare and their options for funding it. This includes informing them of government and/or charitable programs for which they may qualify, aiding them in the application process for health coverage and/or financial assistance, and helping them understand their health benefits and patient responsibility.

In addition, our Patient Advocates assist patients with resolving their patient accounts (for example, by collecting their ER co-pay and/or any prior balances, or by setting up a patient payment plan). Our pre-arrival workflow solution can also estimate patients’ out-of-pocket costs in order to prepare them for their financial responsibility.

A Patient Advocate assists a patient, and the blog title appears – The Keys to Increasing Patient Collections: Patient Communication & Financial Education

A proactive approach to increasing patient collections involves two key elements: patient communication and financial education.


Increasing Patient Collections with EligibilityAdvocates


EligibilityAdvocates’ services can eliminate patients’ out-of-pocket costs or leave them with a reduced and more manageable portion of their bill to pay. Plus, patients who understand their health benefits and financial options, medical bills, and patient responsibility are much more likely to make their payments.

Proactive patient communication and financial education will lead to greater and faster reimbursement from patients – and improve patient loyalty as well!

An on-site patient eligibility service gives your patients the opportunity to meet face-to-face with an experienced Patient Advocate who can provide personalized education and empower your patients to navigate the financial complexities of their healthcare. And all our services are free to the patient as we are contracted at a performance-based rate with each healthcare facility.

Contact us today to learn more about our proactive approach to increasing patient collections.


By Stephanie Salmich

Three people look at financial reports and the blog title appears: New Year’s RCM Resolutions

New Year’s RCM Resolutions

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EligibilityAdvocates Blog

New Year’s RCM Resolutions

Posted on Friday, January 15, 2021

While many people are eager to start a new year and put 2020 behind them, COVID-19 continues to impact healthcare facilities in numerous ways – including financially.

A recent survey of hospital executives and finance leaders found that since the pandemic started, there has been an increase in bad debt, uncompensated care, self-pay patients, and Medicaid patients for over 40 percent of participants.

In response to these challenges, we’ve listed practical actions you can take this year to protect your revenue and reduce uncompensated care.

Here are five New Year’s RCM resolutions:

Resolution #1: Financially Clear Patients Prior to Their Date of Service


Preventing errors on the front end of the revenue cycle is an ideal way to avoid payment delays, denials, underpayments, and extended A/R that contribute to bad debt.

EligibilityAdvocatespre-arrival workflow solution streamlines financial clearance activities such as order/referral management, (real-time) insurance verification, preauthorization, and (real-time) medical necessity verification. Automating steps performed by Patient Access limits deficiencies and integrity issues that have a negative impact on the revenue cycle.

Resolution #2: Ensure Your Organization Is Payer of Last Resort


Three people look at financial reports and the blog title appears: New Year’s RCM Resolutions

Set these New Year’s RCM resolutions to help you achieve your revenue cycle goals.

To reduce bad debt, it is imperative that all possible funding sources are exhausted for a patient account before it is designated as uncompensated care. There are numerous options available, including:

  • Medicaid
  • Out-of-State Medicaid
  • Presumptive Eligibility
  • Crime Victim Compensation
  • Disability – SSI/SSDI
  • Qualified Health Plan Enrollment
  • State & County Programs
  • COBRA
  • Veterans Benefits
  • Indian Health Services

EligibilityAdvocates screens patients for their eligibility in all the above using our proprietary software, AdvocatorAI.

The screening process can begin immediately, as our patient advocates are equipped with tablets and can meet with the patient at bedside or in the field and deliver instant results.

Additionally, our pre-arrival workflow solution searches for unreported health coverage and our patient advocates help patients enroll in health plans so that they are covered for future visits at your facility.

An added benefit of our technology solutions is that they facilitate a “touchless” process with patients. We can conduct the screening process with AdvocatorAI over the phone and complete financial clearance prior to patient arrival, which helps limit the number of people at your facility during the COVID-19 pandemic.

Resolution #3: Stop Writing Off Out-of-State Medicaid Claims


Out-of-state Medicaid billing is complex, but hospitals that write off these claims miss out on a substantial form of reimbursement.

If you are unable to devote the necessary time and resources to working these complicated accounts, outsource out-of-state Medicaid claims to a team of experts who can do the work for you.

EligibilityAdvocates handles all aspects of out-of-state Medicaid enrollment (for both facility and providers), billing, and follow-up. We have experience in all 50 states’ programs and our early determination and single point allocation allow for more Medicaid conversions, higher remittance, and faster reimbursement.

Resolution #4: Improve Patient Engagement & Patient Responsibility Collections


EligibilityAdvocates provides one-on-one patient financial counseling and education to help patients navigate their healthcare finances. And our in-person meetings between patients and patient advocates result in higher conversion rates, increased point-of-service payments, and the establishment of patient payment plans.

The more your patients understand the financial aspects of healthcare (such as health insurance, financial assistance opportunities, and how to decipher their medical bills), the more likely they are to pay their patient responsibility. Patient financial stress is often related to confusion over what is owed and why, which leads to delayed or non-payments.

Resolution #5: Outsource Patient Eligibility & Enrollment


You will experience a greater return on investment if you pursue these objectives with the help of an outsourced and on-site patient eligibility and enrollment service.

Managing these tasks internally requires the expenses of an in-house staff (e.g. pay, benefits, hiring, initial and ongoing training, office space, phones, computers, printers, desks). These are costs that must be paid whether employees recover an adequate percentage of revenue or not.

On the other hand, if you outsource patient eligibility to EligibilityAdvocates, we offer performance-based pricing; you only pay us a percentage of the money we collect and none of the labor costs. We also provide OP/ED staffing at up to 24 hours a day and 7 days a week, which contributes to our higher success rates.

Keep Your New Year’s RCM Resolutions with EligibilityAdvocates


When you partner with EligibilityAdvocates, we will make sure you reach each of these goals and more.

Contact us today and get started on your New Year’s RCM resolutions right away!


By Stephanie Salmich

A provider looks at the CARES Act Provider Relief Fund Application and Attestation Portal on her desktop computer.

Coronavirus Aid, Relief, and Economic Security (CARES) Act Provider Relief Fund

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EligibilityAdvocates Blog

Coronavirus Aid, Relief, and Economic Security (CARES) Act Provider Relief Fund

Helping Uninsured Americans Access COVID-19 Testing and/or Treatment

Posted on Monday, August 17, 2020

Updated Friday, August 28, 2020: The deadline to apply for Phase 2 General Distribution Funding has been extended to September 13, 2020.

Providers still have time to apply for aid through the CARES Act Provider Relief Fund. Below you’ll find important information about this program that can help providers recover revenue lost to the COVID-19 crisis and help uninsured patients avoid unexpected medical bills related to coronavirus testing and treatment.

Information for Providers


The federal government has allocated $175 billion to the Provider Relief Fund (PRF) to be distributed to qualified health care service and support providers for:

  • Appropriate expenses
  • Lost revenue due to COVID-19
  • Helping uninsured Americans access COVID-19 testing and/or treatment

The Coronavirus Aid, Relief, and Economic Security (CARES) Act appropriated $100 billion, and the Paycheck Protection Program and Health Care Enhancement Act (PPPHCEA) appropriated $75 billion, to this program. The program is administered by UnitedHealth Group through a contract with the Health Resources & Services Administration (HRSA).

Payments from the Provider Relief Fund do not need to be repaid by providers who comply with the program’s terms and conditions.

Information for Uninsured Patients


According to HHS.gov: “Providers who participate in and are reimbursed from the HRSA COVID-19 Uninsured Program are not allowed to “balance bill” individuals who do not have health care coverage (uninsured).”

If you are an uninsured patient and you receive a bill for COVID-19 testing and/or treatment services which shows that a portion of the bill was paid for by the Health Resources & Services Administration (HRSA), you should contact your healthcare provider as you may not be responsible for the balance.

However, if your provider did not participate in the HRSA COVID-19 Uninsured Program or the care you received was not eligible for reimbursement from the program’s funds, you may be responsible for payment.

Applying for Reimbursement Through the CARES Act Provider Relief Fund


 

 

A provider looks at the CARES Act Provider Relief Fund Application and Attestation Portal on her desktop computer.

UPDATE: PROVIDERS – The deadline to apply for Phase 2 General Distribution Funding has been extended to September 13, 2020 to apply for Phase 2 General Distribution funding from the CARES Act Provider Relief Fund.

The deadline to apply for Phase 2 General Distribution funding has been extended to September 13, 2020. Providers should check the HHS.gov website for the latest updates on deadlines and requirements.

Key conditions for reimbursement from the Provider Relief Fund include:
  • Screening patients for health coverage to ensure they are uninsured.
  • Accepting the payment provided from the fund and refraining from further billing the patient.
  • Submitting to a post-payment audit.
  • Confirming that COVID-19 is the primary diagnosis (except in the case of pregnancy).
Additional points to keep in mind:
  • Reimbursement is generally at Medicare rates and payment is dependent upon available funding.
  • Qualifying health costs and services such as COVID-19 testing, office visits, telehealth, non-emergency transportation, and more, with dates of service/admittance on or after February 4, 2020, are eligible for reimbursement.
  • Claims cannot be repealed or reprocessed after submission.
  • To submit claims electronically, providers need a clearinghouse or similar relationship.
  • Providers must attest that the information submitted is correct (billing companies/revenue cycle vendors can attest to the accuracy of the information for the provider).

EligibilityAdvocates can help providers apply for reimbursement from the CARES Act Provider Relief Fund, navigate regulatory flexibilities related to COVID-19, and screen patients for insurance coverage.

Contact us for more information on the CARES Act Provider Relief Fund or to get started on the application process before the deadline.


By EligibilityAdvocates

A patient advocate helps a young mother and baby, and the blog title appears: Why Outsource Patient Eligibility Services?

Why Outsource Patient Eligibility Services?

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EligibilityAdvocates Blog

Why Outsource Patient Eligibility Services?

Posted on Thursday, July 30, 2020

An on-site patient eligibility service can significantly improve patient experiences, increase self-pay conversions, and reduce account cycle time. For the best results, patient eligibility services should be performance-based and you should choose a vendor who can provide both on-site patient advocates and cutting-edge technology.

Here are just a few reasons to outsource patient eligibility services:


A patient advocate helps a young mother and baby, and the blog title appears: Why Outsource Patient Eligibility Services?

Outsource patient eligibility to maximize
patient advocacy and reimbursement.

Establish a Culture of Patient Advocacy

Show your patients and everyone who belongs to your organization that your facility values and is committed to patient advocacy. The presence of a patient eligibility and enrollment service, on site and at no cost to patients, will do just that.

This service supports patients by:

  • Finding insurance coverage and/or enrolling them in health plans.
  • Identifying financial assistance opportunities and handling the application process for them.
  • Reducing their medical expenses.
  • Helping them navigate the financial aspects of their healthcare through financial counseling and education.
  • Alleviating patient financial stress and confusion.
  • Increasing patient engagement with one-on-one, in-person interaction.
  • And more.

However, the help that an internal eligibility team can provide is often inhibited by their limited hours. Most facilities’ eligibility employees work a typical 9:00 AM to 5:00 PM schedule, whereas EligibilityAdvocates’ outsourced services are available on site, including in the Emergency Department, at a minimum of 12 hours a day and 6 days a week (and up to 24 hours/day, 7 days/week – based on peak analysis). This significantly extends patients’ access to support.

The more support you offer your patients, the bigger impact you can make on your entire community’s economic outlook. Our patient eligibility services help patients and healthcare facilities financially; plus, we create job opportunities because we hire patient advocates from your local community to fill all our on-site positions.

Maximize Patient Advocacy & Reimbursement with a Team of Experts

When you outsource patient eligibility and enrollment, you can ensure your patients are served by patient advocates who specialize in this service and all the rules and regulations that impact it.

State and federal laws, as well as individual health plan and financial assistance program requirements, change regularly. And waivers are often enacted when national emergencies like the COVID-19 crisis occur.

EligibilityAdvocates monitors all policies and guidelines that determine whether a patient will qualify for assistance, what the patient must do to apply, and how your reimbursement will be affected. You and your patients don’t have to keep track of all these moving parts or risk missing a detail that results in a denied application or claim.

Our expertise also covers out-of-state Medicaid, denial prevention, and follow-up on unpaid/underpaid claims.

Utilize the Vendor’s Technology

In addition to patient advocates’ extensive knowledge and compassion, an outsourced patient eligibility service can bring innovative technology to the table as well.

At EligibilityAdvocates, we equip our patient advocates with technology that enables mobile patient screening, such as at bedside or in the field. This includes convertible laptops/tablets, HL7 for real-time notes, electronic forms automation software, data encryption in transit and at rest, intermediate saves of information, and photo capture for documentation of driver’s licenses, insurance cards, etc.

We also supply our clients with customized dashboards and reports that deliver near-real-time transparency and alerts. Plus, our pre-arrival workflow solution streamlines financial clearance and automates many tasks for Patient Access.

All our solutions are HIPAA-compliant and will adhere to your organization’s specific procedures and compliance standards.

Reduce Uncompensated Care and Improve Your Revenue Cycle

Partnering with a patient eligibility and enrollment service provider will reduce your write-offs and A/R days. When patients obtain health coverage and/or financial assistance, you get reimbursed at higher rates. And, the face-to-face meetings between patients and patient advocates result in higher conversion rates, increased point-of-service payments, and the establishment of patient payment plans.

When you choose EligibilityAdvocates, we will pursue every possible source of funding for each patient account – so your organization will always be the “payer of last resort.”

You’ll also improve your revenue cycle with the benefits of our pre-arrival workflow solution, which prevents integrity issues and errors that would otherwise cause payment delays, denials, underpayments, and rework.

Experience a Greater Return on Investment

Your ROI will be much higher when you outsource patient eligibility services in comparison to managing this work internally.

Costs accrued by in-house staff include payroll and benefits, hiring and (ongoing) training expenses, office space, and equipment (phones, computers, printers, desks, etc.). You’ll need to allocate money, time, and resources to these employees whether their performance earns it or not.

In contrast, EligibilityAdvocates offers contingent fee pricing, so you’ll only pay us a percentage of the reimbursement we collect, and you won’t have to worry about any of the typical labor costs an internal team would necessitate.

Keep Your Focus on Patient Care: Outsource Patient Eligibility Services


EligibilityAdvocates can handle all aspects of patient eligibility and enrollment for you so that your teams can devote their time and resources to providing quality patient care.

Contact us to learn more about how we can lower or eliminate your patients’ out-of-pocket costs and improve your revenue cycle.

Strengthen the financial situation of all stakeholders in your organization – outsource patient eligibility services to EligibilityAdvocates today.


By EligibilityAdvocates

EligibilityAdvocates COVID-19 Response - Thank You, ALL Healthcare HEROES!

EligibilityAdvocates COVID-19 Response

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EligibilityAdvocates

COVID-19 Response


The coronavirus (COVID-19) is affecting all individuals and organizations in significant ways – physically, emotionally, and financially, to name a few. In addition to creating a national health emergency, more people are out of work and without insurance as a result of this crisis.

EligibilityAdvocates COVID-19 Response - Thank You, ALL Healthcare HEROES!

THANK YOU, from all of us at EligibilityAdvocates!

Thankfully, our patient advocates can continue serving patients during this difficult time. They have been classified as essential staff members and are working on-site to help patients obtain benefits and secure alternative payment methods (including COBRA).

We at EligibilityAdvocates would like to thank all those working in health care who are risking their own safety in order to protect and care for these patients and keep our communities healthy. You are truly health care heroes.

We also want to express appreciation for each one of our patient advocates who is making a critical difference in patients’ lives on the front lines as well.

You are health care heroes too, as you work to minimize the financial impact of this virus on individuals and families.

CMS Waivers


As you may be aware, the Centers for Medicaid and Medicare Services (CMS) issued emergency blanket waivers in response to COVID-19, which have a retroactive effective date of March 1, 2020 until the end of the emergency declaration.

We’d like to draw your attention to these changes in particular, as stated by CMS:

  • 3-Day Prior Hospitalization Waiver for SNF placement – “CMS is waiving the requirement for a 3-day prior hospitalization for coverage of a SNF stay, which provides temporary emergency coverage of SNF services without a qualifying hospital stay, for those people who experience dislocations, or are otherwise affected by COVID-19. In addition, for certain beneficiaries who recently exhausted their SNF benefits, it authorizes renewed SNF coverage without first having to start a new benefit period (this waiver will apply only for those beneficiaries who have been delayed or prevented by the emergency itself from commencing or completing the process of ending their current benefit period and renewing their SNF benefits that would have occurred under normal circumstances).”
  • CAH Length of Stay Waiver – “CMS is waiving the requirements that CAHs limit the number of beds to 25, and that the length of stay be limited to 96 hours under the Medicare conditions of participation for number of beds and length of stay at 42 CFR §485.620.”

States and territories may submit a request for a waiver of statutes and regulations related to Medicaid and CHIP programs using the 1135 waiver checklist; CMS provides these examples of flexibilities they may seek:

  • “Waive prior authorization requirements in fee-for-service programs.
  • Permits providers located out of state/territory to provide care to another state’s Medicaid enrollee impacted by the emergency.
  • Temporarily suspend certain provider enrollment and revalidation requirements to increase access to care.
  • Temporarily waive requirements that physicians and other health care professionals be licensed in the state in which they are providing services, so long as they have an equivalent licensing in another state; and,
  • Temporarily suspend requirements for certain pre-admission and annual screenings for nursing home residents”
Please see the complete COVID-19 Emergency Declaration Blanket Waivers for Health Care Providers document or contact us for more information.

As always, we are here to help you navigate these new regulatory flexibilities and to assist your patients with the financial challenges they may be facing. We are all in this together as we work to protect the physical and financial health of your patients and their families.


 

A couple struggling with patient financial stress seeks the help of a patient eligibility service.

11 Statistics on Patient Financial Stress

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EligibilityAdvocates Blog

11 Statistics on Patient Financial Stress

Posted on Wednesday, April 1, 2020

Current research on patient financial stress demonstrates the significant strain that medical bills, health insurance premiums, and healthcare costs place on many Americans today.

In fact, a recent survey of U.S. adults found that more people (40%) fear the medical bills resulting from a serious illness than fear the illness itself (33%).¹

Here are 10 more revealing statistics related to patient financial stress:


1.)  55%The percentage of Americans who worry a “great deal” about the affordability and availability of healthcare. ²

2.)  73%The percentage of U.S. adults who are concerned about their ability to pay for healthcare costs if they become sick or injured. ³

3.)  $500 or lessThe healthcare costs that 42% of Americans can afford before having financial issues. ³

4.)  45% The percentage of U.S. adults who fear going bankrupt due to a major health event. ⁴

5.)  137.1 million The number of Americans who report having medical financial hardship. ⁵

6.)  58% and 60%The percentage of lower-income and higher-income households that consider the cost of medications a stressor, respectively. ⁶

7.)  57% and 56%The percentage of lower-income and higher-income households that view medical bills as a source of stress, respectively. ⁶

8.)  66%The percentage of Americans who are stressed by the cost of health insurance. ⁶

9.)  57% The percentage of Americans who have been surprised by a medical bill that they expected health insurance to cover. ⁷

10.)  82%The percentage of patients who say hospitals are “very” or “somewhat” responsible for surprise medical bills. ⁷

Reducing Patient Financial Stress

A couple struggling with patient financial stress seeks the help of a patient eligibility service.

A patient eligibility service can reduce patient financial stress.


Providing a patient eligibility service can reduce patient financial stress and show them that your facility is here to help.

EligibilityAdvocates’ patient eligibility service reduces patient financial stress by finding monetary sources to help pay their medical bills and by providing them with financial counseling through on-site patient advocates.

Both financial assistance and financial counseling can reduce patient financial stress and the confusion that often fuels it. By instituting a patient eligibility service at your facility, you can ensure that fewer of your patients fall within the statistics listed above.


 

Sources:

¹ NORC at the University of Chicago / West Health Institute – “New Survey Finds Large Number of People Skipping Necessary Medical Care Because of Cost” (2018)
² Gallup – “Healthcare Once Again Tops List of Americans’ Worries” (2019)
³ The Physicians Foundation –  “The Physicians Foundation 2019 Patient Survey” (2019)
Gallup – “Americans Fear Personal and National Healthcare Cost Crisis” (2019)
⁵ Yabroff, K.R., Zhao, J., Han, X. et al. – Journal of General Internal Medicine (2019) 34: 1494. https://doi.org/10.1007/s11606-019-05002-w
American Psychological Association – “Stress in America™: Uncertainty About Healthcare” (2018)
NORC at the University of Chicago – “New Survey Reveals 57% of Americans Have Been Surprised by a Medical Bill” (2018)


By EligibilityAdvocates