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People View Prior Authorization as Greatest Burden in Navigating the Health System

New  Kaiser Family Foundation (KFF) polling explores the challenges beyond costs that people with insurance face in navigating the health care system. People cite prior authorization review as their top problem by a wide margin, with a third (32%) saying prior authorization requirements are a “major burden.”

That’s more than say the same about understanding their bill or what they owe (23% say it is a major burden), getting appointments when they need them (20%), or finding providers who accept their insurance (17%).

When asked to choose which of those four factors is “the single biggest burden,” prior authorization before accessing certain tests, treatments, or medication ranks at the top (34%). Among people with a chronic condition that requires ongoing medical treatment (about half of all insured adults), 4 in 10 (39%) say prior authorization is the single biggest burden when it comes to getting care, more than twice the share who say the same about other obstacles.

“The complexity of the health system drives patients crazy, can have real consequences, and disproportionately affects people who are sick,” KFF President and CEO Drew Altman said. “Prior authorization review is the poster child for that complexity.”  Click here to learn more.

Awareness and Understanding of the Medicare Three (3) Day Rule
The Medicare 3-Day Rule requires a patient to have a medically necessary 3-consecutive-day inpatient hospital stay (counting) the admission day but not the the discharge day) before Medicare will cover a stay in a Skilled Nursing Facility (SNF). This rule ensures proper coordination for post-hospital skilled care, though waivers exist for some Medicare Advantage plans, Accountable Care Organizations (ACOs), and certain demonstration projects, potentially allowing SNF admission without the prior 3-day hospital stay. 

Key Aspects of the Rule

  • Qualifying Stay: Must be three or more consecutive days as an inpatient in a hospital, not including time in the Emergency Department (ED) or observation status.

  • Counting Days: The day of admission counts as day one; the day of discharge does not.

  • Timing: The SNF stay must generally begin within 30 days of hospital discharge.

  • Necessity: The SNF care must involve skilled services (nursing, therapy) provided by professionals and be medically necessary.

How to Know if You Qualify

  • Check with your Doctor: Ask if your hospital stay met the 3-day inpatient rule.

  • Ask the Hospital: Inquire about your hospital status (inpatient vs. observation) and the 3-day rule.

  • Contact Your Plan: If you have Medicare Advantage, your plan might waive the rule.

  • Look for Waivers: Your doctor might be part of an ACO or program with a waiver.

Exceptions & Waivers

  • Medicare Advantage Plans: Often offer waivers.

  • Accountable Care Organizations (ACOs): May have approved waivers.

  • Demonstrations: Some limited-time federal demonstrations (like for certain surgeries from 2026-2030) are waiving the rule for specific procedures.


Presentations

Poll

Long-Term Care

Understanding Long Term Care (LTC)

Medicaid

What is Medicaid? What is the Children's Health Insurance Program (CHIP)? CHIP Overview

Informational Websites

The SPAN Center - Capitol Area Agency on Aging - Publications CMS (Centers for Medicare & Medicaid Service) National Training Program Kaiser Family Foundation Chickahominy Area Triad AudibleRX

Caregiving Resources

Virginia Association of Area Agency on Aging Virginia 211 CommonHelp Virginia Navigator Medicare.gov - Medicare Nursing Home Compare Cover Virginia Office of the State Long-Term Ombudsman Office of Aging Services - Virginia Lifespan Respite Voucher Program Virginia Livable Home Tax Credit VALegalAid.org Supporting Caregivers in the Workplace AARP Caregiving Guides AARP Resources for Family Caregivers AARP Home Fit Guide AARP Online Caregiving Community Forums AARP National Resources for Family Caregivers

Drug Discount Card

MACI Discount Drug Card

Medicare Compare Tools

Hospital Compare Physicians Compare Nursing Home Compare Dialysis Compare Home Health Compare Long-Term Care Hospital Compare

Educational Sites

Medicare.gov MedicareInteractive.org Medicare Preventative Services The SPAN Center - Capitol Area Agency on Aging Savvy Senior Medicare Rights Center

Educational Videos

Social Security Disability Insurance (SSDI) Medicare with SSDI Medicare Supplemental Insurance for People Under Age 65 Supplemental Security Income (SSI) Work Incentives

Other Federal Benefit Programs

Affordable Connectivity Program (ACP) Lifeline Support Program

Other Agencies

Social Security Administration - (800) 772-1213

Virginia Dept of Social Services - (800) 442-3431


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