Imagine you’re in the hospital for five days. You receive medications, diagnostic tests, and other hospital services, and you have Medicare.

Then, when your doctor wants to send you to a skilled nursing facility like NHC, you find out you’re classified as “outpatient observation.” Medicare will not cover your stay at such a facility unless you’ve been in the hospital for three nights as an inpatient.

After you’ve been discharged from the hospital and taken home, your son decides to hire a private caregiver for you. The caregiver does not work for a licensed home-assistance agency.

The caregiver, who is not bonded and has not had a background check, steals your expensive jewelry, camera, and some cash, but you can’t prove it. Your son fires the caregiver and hires a contract worker with a licensed agency.

The new caregiver hurts her back lifting you. Could you be sued? How can you avoid getting in such bad situations?

“When you are discharged from the hospital, you face many choices when your stress levels are high and time is limited,” said Meg Tonne, parish nurse at the church who coordinates the luncheons. “You may not understand what the options are for different levels of care and whether you qualify for the level you think you need.” [Read more…]