Medicare Part B will not cover any portion of a skilled nursing facility stay after a hospitalization. PatientAdvocate health aging
Those three days do not count the day of discharge or any pre-admission time you may have spent in an emergency room or under outpatient"observation."
When that happens, the patient is on the hook for the entire nursing home bill, until their long-term care insurance kicks in, usually 90 days. I'm one of those who would like to see the"three-day stay" rule permanently discarded. For me, it's not about nursing homes losing out on business. As a patient care advocate, I encourage as many of my clients as possible to choose home-based care over skilled nursing facilities, which have struggled with providing quality care because of staffing shortages.
Then there's the matter of a patient getting the proper care. In 2022, a federal court upheld a lower court decision that patients should be able to appeal their"observation status" because lack of post-acute care has led to"emotional and psychological costs, beyond the financial costs, for a patient who is denied Medicare Part A coverage.
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