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Some of California’s most vulnerable nursing home residents, many of
whom have nowhere else to go, are receiving letters from their health
care plans saying they are no longer eligible for long-term care.
In one notable example, three dozen nursing home residents in San
Luis Obispo County were informed on the same day that their Medi-Cal
managed-care plan was cutting off payment for nursing home care, said
Karen Jones, the county’s long-term care ombudsman.
The residents included a 68-year-old amputee with diabetes, memory
loss and kidney disease who required dialysis three times a week, and an
82-year-old man with congestive heart failure and diabetes who wasn’t
strong enough to transfer himself from his bed to a wheelchair, Jones
said.
“It just felt like we were tossing our seniors and disabled adults,”
Jones said of the letters, which arrived in September 2018 and sparked a
year-long dispute. “‘Sorry, we’re going to save some money here.’
That’s exactly what it felt like.”
The California Department of Health Care Services, which administers
Medi-Cal, the state’s Medicaid program for low-income people, said the
terminations by the managed-care plan, CenCal Health, were isolated, a
perspective some long-term care advocates share. CenCal said it was just
following protocol, examining the books to make sure members still met
the qualifications for long-term care under Medi-Cal.
But California Healthline interviewed multiple long-term care
advocates and legal aid attorneys on the Central Coast and other parts
of the state who said they have witnessed an increase in coverage
denials for nursing home residents covered by Medi-Cal managed-care
plans. They worry such denials may soon become more commonplace:
Medi-Cal nursing home care in all 58 counties will be placed under
managed care beginning in January 2021, the state announced recently —
up from 29 counties currently.
Under
managed care,
the state pays plans a monthly rate for each recipient to provide all
of the medically necessary services that person needs. By comparison,
under traditional “fee-for-service” Medi-Cal, the state compensates
medical providers directly for each service they render.
California and other states increasingly are moving their Medicaid
patients into managed care, arguing that the model saves money and also
improves members’ health by coordinating care. More than 80% of the
12.8 million Californians on Medi-Cal are covered by managed care.
Long-term care advocates fear that the trend means more frail people
will be forced out of nursing homes as managed-care plans look to their
bottom lines.
“We’re looking at multiplying this problem across the state,” said Leza Coleman
, executive director of the California Long-Term Care Ombudsman Association.
The typical nursing home population in California is about two-thirds
Medi-Cal, and many have given up everything — their apartments or
mobile homes, their furniture, their burial insurance — to qualify, said
Lonnie Golick, ombudsman for Shasta, Trinity, Siskiyou, Modoc and
Lassen Counties in Northern California. Golick said she’s received a
number of complaints against Partnership HealthPlan of California about
coverage terminations. “They gave up their whole life,” she said. “And
then they’re told, ‘It’s time to go.’”
Exacerbating the problem, Coleman added, is a shortage of assisted
living facilities willing to serve Medi-Cal patients who no longer
qualify for nursing home care.
To be eligible for nursing home coverage under Medi-Cal, individuals
must have medical needs that require continual, around-the-clock care to
prevent significant illness or disability, or alleviate severe pain.
CenCal sent the termination letters to the San Luis Obispo County
nursing home residents as part of the process of reviewing their
eligibility, said Bob Freeman, CenCal’s CEO. Normally that process is
spread out over the year, he said, but the plan got “backed up” on
evaluations, which is why so many patients were notified at once.
“We don’t like to do this,” he said. “It’s destabilizing; we don’t
want to disrupt people’s lives. We do have state regulations that we
have to follow.”
Last month, the Department of Health Care Services sent Medi-Cal
managed-care plans a notice clarifying that federal law allows residents
to stay in nursing homes to receive “intermediate care”; in essence,
plans should pay for lower levels of care rather than terminating
coverage.
Freeman said the plan is reconsidering some residents’ eligibility,
given the clarification. And Jones, the San Luis Obispo ombudsman, said
CenCal recently hired a new nurse who has begun restoring eligibility
for some residents in certain homes.
But residents of other homes — and in other regions — are still facing denials.
David Green, 60, a registered nurse in Santa Barbara County, said his
90-year-old mother received a letter last year telling her CenCal would
no longer pay for her care at Marian Extended Care Center in Santa
Maria.
She had landed in a nursing home in 2016 after a bout of sepsis, he
said. At first, she was so weak, she couldn’t walk. By the time she got
the letter, her strength had improved, but she still had diabetes,
kidney disease, hypertension, atrial fibrillation, breast cancer, memory
loss and pain in her artificial knees, Green said.
Green sought out the Santa Barbara County ombudsman and, later, a
lawyer. Eventually, he prevailed — but he’s always on alert for another
letter.
“It’s very nerve-racking,” he said.
Tessa Hammer, the attorney from Legal Services of Northern California
who helped Green, said she has worked on seven such cases out of Santa
Barbara County, as well as a handful in the state’s rural northern
counties. She’s concerned about residents who don’t have family
advocating for them.
“I’m not sure where those folks might end up,” she said.
Golick, the ombudsman for several northern counties, said a man in
his 80s in Trinity County received a notice from Partnership HealthPlan
earlier this year that he was no longer covered for nursing care he’d
depended on for a decade. Like many elderly residents, she said, he felt
he had no choice but to comply. He told her he might sleep on someone’s
couch, or in his brother’s car.
“Rural areas are really scary,” she said. “Where the hell do you go?”
Dustin Lyda, a spokesman for Partnership, said the plan doesn’t track
data on these kinds of coverage denials, but anecdotally hasn’t noticed
an upsurge. Lyda said the plan works with facilities, doctors and
family members to determine a patient’s needs. If Partnership determines
skilled nursing is no longer medically necessary, it works for 60 days
to find an alternative solution, he said.
In the meantime, nursing homes find themselves in a difficult situation. They cannot legally
discharge residents
who don’t have a safe place to go, but they are no longer paid to keep
them. In some cases, including in San Luis Obispo, nursing homes have
kept residents without pay.
“We’re all watching this closely,” said Craig Cornett, CEO of the California Association of Health Facilities.
Full Article & Source:
California Nursing Home Residents Told To Find New Homes
