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Questions and Answers

What legislative act allowed billing approval for nonphysician practitioners like NPs?

  • Social Security Act
  • Affordable Care Act of 2010
  • Balanced Budget Act of 1997 (correct)
  • Medicare Improvement for Patients and Providers Act
  • What percentage of the fee schedule rate is used for payments to NPs by CMS?

  • 50%
  • 85% (correct)
  • 75%
  • 100%
  • What is the primary requirement for Medicare providers when submitting claims?

  • They must accept the CMS-approved amount as full payment. (correct)
  • They must charge double the CMS-approved amount.
  • They can refuse any payment if not satisfactory.
  • They must submit only covered service claims.
  • Which type of healthcare service does Medicare Part A primarily cover?

    <p>Hospital inpatient services</p> Signup and view all the answers

    What is the copayment amount for beneficiaries in a skilled nursing facility after 20 days?

    <p>$185.50 per day</p> Signup and view all the answers

    Which of the following statements is true regarding lifetime reserved days under Medicare?

    <p>They can use up to 60 lifetime reserved days after 90 days of continuous hospitalization.</p> Signup and view all the answers

    How are Medicare premiums calculated?

    <p>Based on quarters of lifetime work where Medicare taxes were paid.</p> Signup and view all the answers

    What happens to all costs incurred beyond the lifetime reserve days?

    <p>All costs are paid by the patient.</p> Signup and view all the answers

    What are considered third-party payers for healthcare services?

    <p>Indemnity insurance companies</p> Signup and view all the answers

    Which part of Medicare covers hospital inpatient services?

    <p>Medicare Part A</p> Signup and view all the answers

    What is the reimbursement rate for nurse practitioners billing under CMS guidelines?

    <p>85% of the fee schedule rate</p> Signup and view all the answers

    What is the Medicare Part A hospital deductible for the year 2021?

    <p>$1,484</p> Signup and view all the answers

    Which of the following does NOT fall under the category of third-party payers?

    <p>Private pay patients</p> Signup and view all the answers

    What is required for providers to bill Medicare for their services?

    <p>Obtaining a National Provider Identifier (NPI)</p> Signup and view all the answers

    How is the copayment structured for skilled nursing facility (SNF) postacute care from days 21 to 100?

    <p>$185.50 per day</p> Signup and view all the answers

    Which of the following is a characteristic of Managed Care Organizations (MCOs)?

    <p>They typically pay less than indemnity insurance</p> Signup and view all the answers

    What percentage of the physician's fee schedule do nurse practitioners receive as reimbursement from CMS?

    <p>85</p> Signup and view all the answers

    What is the coinsurance amount for hospital stays beyond 90 days in a benefit period?

    <p>$742 per day</p> Signup and view all the answers

    Which piece of legislation allowed billing approval for nonphysician practitioners like nurse practitioners?

    <p>The Balanced Budget Act of 1997</p> Signup and view all the answers

    Which of the following statements about private pay patients is true?

    <p>They pay for services directly without third-party involvement.</p> Signup and view all the answers

    Which of the following correctly describes the patient’s responsibility for coverage under Medicare B?

    <p>20</p> Signup and view all the answers

    What was the annual deductible for Medicare B in the year 2021?

    <p>$203</p> Signup and view all the answers

    Which days of a hospital stay incur no additional payment for beneficiaries under Medicare A?

    <p>1</p> Signup and view all the answers

    What percentage of the physician fee schedule is reimbursed to CMS-covered physicians?

    <p>100</p> Signup and view all the answers

    What percentage of the allowed rate does CMS pay for services covered by the physician fee schedule?

    <p>80%</p> Signup and view all the answers

    What is the Medicare B deductible for the year 2021?

    <p>$203</p> Signup and view all the answers

    Which of the following is true regarding the reimbursement rates for Nurse Practitioners (NPs)?

    <p>NPs are reimbursed at 85% of the physician's fee.</p> Signup and view all the answers

    What is the recommended practice regarding patient out-of-pocket payments before providing services?

    <p>It is best practice to collect payments before rendering services.</p> Signup and view all the answers

    What is one reason for collecting copayment and deductible payments before services are rendered?

    <p>It simplifies patient billing later.</p> Signup and view all the answers

    What is the typical monthly premium cost for a secondary insurance plan for Medicare beneficiaries?

    <p>$50 to $300</p> Signup and view all the answers

    Which of the following is NOT a component of patient out-of-pocket expenses under Medicare?

    <p>Monthly premium of Medicare Part A</p> Signup and view all the answers

    What administrative strategy did the physician fee schedule aim to achieve?

    <p>Promote better accessibility and quality.</p> Signup and view all the answers

    What is the primary focus of Title I of HIPAA?

    <p>Protecting health insurance coverage for workers and their families</p> Signup and view all the answers

    Which of the following interventions is classified as primary prevention?

    <p>Weight control programs</p> Signup and view all the answers

    What does Title II of HIPAA primarily address?

    <p>Electronic data interchange in health care</p> Signup and view all the answers

    Which of the following is a component of tertiary prevention?

    <p>Management of chronic diseases like respiratory issues</p> Signup and view all the answers

    How does HIPAA legislation contribute to the management of healthcare practices?

    <p>By setting security standards for patient information</p> Signup and view all the answers

    Which example represents secondary prevention?

    <p>Monitoring blood pressure levels</p> Signup and view all the answers

    What is one key aspect of primary prevention strategies?

    <p>Educating about smoking cessation</p> Signup and view all the answers

    What financial impact is associated with states that accept Medicaid expansion?

    <p>Increased federal investment</p> Signup and view all the answers

    What percentage of the discounted rate do beneficiaries pay for brand drugs during the coverage gap phase?

    <p>25%</p> Signup and view all the answers

    Which phase does not require beneficiaries to pay any costs before meeting the deductible?

    <p>Catastrophic phase</p> Signup and view all the answers

    What is a potential disadvantage of Medicare Advantage (MA) plans for beneficiaries?

    <p>Limited choice of healthcare providers</p> Signup and view all the answers

    How do Medicare Advantage carriers receive payment for the services they provide?

    <p>Subsidies per member from CMS</p> Signup and view all the answers

    What major policy change was included in the ACA regarding the donut hole?

    <p>Gradual closure of the donut hole by 2020</p> Signup and view all the answers

    Which of the following statements is true about the financial viability of Medicare Advantage plans?

    <p>They have been less financially viable due to high healthcare costs.</p> Signup and view all the answers

    What is one reason many Medicare Advantage carriers might exit the market?

    <p>Higher costs incurred beyond CMS payments</p> Signup and view all the answers

    What is the role of the initial coverage phase in the Medicare drug coverage structure?

    <p>Beneficiaries pay a percentage of the drug cost with some assistance.</p> Signup and view all the answers

    What must a healthcare provider obtain in order to bill Medicare services?

    <p>A National Provider Identifier (NPI)</p> Signup and view all the answers

    Which statement accurately describes the payment structure for hospital stays under Medicare A?

    <p>No additional payment is required for stays of 1 to 60 days.</p> Signup and view all the answers

    Which type of Medicare Advantage plan includes a network of providers that members must use for their healthcare services?

    <p>Health maintenance organization (HMO) plans</p> Signup and view all the answers

    What is the primary purpose of the federal funding in the Medicaid program?

    <p>To assist states in offering medical care to eligible low-income individuals</p> Signup and view all the answers

    What is the maximum coinsurance amount for a Medicare patient who has used their lifetime reserve days?

    <p>All costs incurred must be paid by the patient</p> Signup and view all the answers

    Which income eligibility method was established by the ACA for Medicaid?

    <p>Modified Adjusted Gross Income (MAGI)</p> Signup and view all the answers

    What regulatory body is responsible for the authority over Advanced Practice Registered Nurses (APRNs)?

    <p>The individual state nurse licensing boards</p> Signup and view all the answers

    How are payments structured for nurse practitioners under CMS billing rules during 2021?

    <p>85% of the fee schedule rate</p> Signup and view all the answers

    Which groups are specifically exempt from meeting the MAGI requirements for Medicaid eligibility?

    <p>Individuals over 65 years and those with disabilities</p> Signup and view all the answers

    What is a primary requirement for a healthcare provider in order to accept Medicare assignments?

    <p>They agree to accept the CMS-approved amount as full payment.</p> Signup and view all the answers

    What is a significant condition that must be met for Medicaid payments to providers?

    <p>Providers must accept Medicaid's lower payment as payment in full</p> Signup and view all the answers

    What type of hospital payment applies to facilities that care for a disproportionate share of Medicaid-eligible patients?

    <p>Disproportionate-share hospital payments</p> Signup and view all the answers

    What happens if a Medicare beneficiary exceeds the lifetime reserved days for hospital stays?

    <p>They are completely responsible for all remaining costs.</p> Signup and view all the answers

    What is the out-of-pocket expense for a beneficiary in a skilled nursing facility after 100 days?

    <p>$742 coinsurance per day used beyond the benefit period.</p> Signup and view all the answers

    How does the federal government support state spending on qualifying Medicaid services?

    <p>By matching dollar spending for qualifying mandatory services</p> Signup and view all the answers

    What change has occurred in the enrollment process for Medicaid and CHIP in recent years?

    <p>A reduced delay experienced during enrollment and renewal</p> Signup and view all the answers

    What is the primary impact of the U.S. Supreme Court ruling on ACA Medicaid expansion?

    <p>States could choose not to participate in Medicaid expansion.</p> Signup and view all the answers

    Which of the following categories is NOT included in the general categories of third-party payers?

    <p>Charitable organizations</p> Signup and view all the answers

    How does Medicaid expansion generally affect the quality of care in participating states?

    <p>It improves quality of care due to increased funding.</p> Signup and view all the answers

    What role do the Centers for Medicare and Medicaid Services (CMS) guidelines play for third-party payers?

    <p>They serve as a foundation for all payer source policies.</p> Signup and view all the answers

    Which of the following best explains the consequences of states not accepting Medicaid expansion funds?

    <p>Lower quality of care and reduced access for Medicaid patients.</p> Signup and view all the answers

    What economic impact is generally observed in states that accept Medicaid expansion?

    <p>Positive budget and economic outcomes from federal investment.</p> Signup and view all the answers

    What is the primary reason for the political opposition to Medicaid expansion under the ACA?

    <p>Concerns regarding federal overreach into state healthcare.</p> Signup and view all the answers

    In what context do APRNs demonstrate cost savings compared to traditional providers?

    <p>APRNs are reimbursed at a lower rate than traditional providers.</p> Signup and view all the answers

    What is the maximum out-of-pocket limit for in-network services under Medicare Advantage plans in 2024?

    <p>$8,850</p> Signup and view all the answers

    Which of the following Medicare parts does NOT require a monthly premium in some plans?

    <p>Medicare C</p> Signup and view all the answers

    What is the deductible amount for Medicare Part B in 2024?

    <p>$240</p> Signup and view all the answers

    Study Notes

    Third-Party Payer Rules

    • Reimbursement policies for NPs depend on third-party payers, which include Medicare, Medicaid, indemnity insurance, managed care organizations, workers' compensation, Veterans Administration, and auto liability.
    • Patients without health insurance are considered private pay, while those who can afford it may pay out of pocket.
    • All payer sources adhere to CMS guidelines, which aim to ensure high-quality health care for beneficiaries of government-funded programs.

    Medicare Overview

    • Medicare comprises four parts: A (hospital services), B (physician services), C (Medicare Advantage Plans), and D (prescription drug coverage).
    • Medicare providers must apply via PECOS or CMS-855I and are assigned an NPI for billing in HIPAA transactions.
    • Providers must accept CMS-approved amounts as full payment and file claims for all services.

    Medicare Part A (Hospital Inpatient Services)

    • In 2021, the deductible was $1,484 with no additional payment required for the first 60 days of a hospital stay.
    • From days 61 to 90, a coinsurance of 371perdayapplies;beyond90days,alifetimereservedaychargeof371 per day applies; beyond 90 days, a lifetime reserve day charge of 371perdayapplies;beyond90days,alifetimereservedaychargeof742 is incurred.
    • After 20 days in skilled nursing facilities, beneficiaries must pay a copayment of $185.50 per day.

    Medicare Part B (Physician Services)

    • NPs receive 85% of the physician fee schedule, with patients covering 20% of approved rates.
    • The deductible for Medicare B was $203 in 2021, with secondary insurance commonly used to cover out-of-pocket expenses.
    • Each year, the physician fee schedule is updated to reflect reimbursement policies aimed at enhancing accessibility and quality.

    Patient Payment Responsibilities

    • Patients often need to meet deductibles and copayments prior to receiving services.
    • Best practice encourages collection of these payments ahead of treatment to minimize billing expenses.
    • CMS emphasizes the importance of verifying patient payment responsibilities at each treatment visit.

    Medicaid

    • States accepting Medicaid expansion have experienced positive economic impacts due to increased federal funds.

    Health Insurance Portability and Accountability Act (HIPAA)

    • Title I protects health insurance for workers during job transitions, while Title II streamlines administrative processes in healthcare.
    • HIPAA mandates security considerations for electronic health data, ensuring providers take precautions for patient information security.

    Prevention Strategies

    • Primary Prevention: Focuses on immunizations, health education, and lifestyle choices, such as weight control and seat belt use.
    • Secondary Prevention: Involves screenings for various health conditions, such as cancers and diabetes.
    • Tertiary Prevention: Concentrates on treatments aimed at preventing complications from existing diseases.

    Concept of Prevention Levels

    • Primary, secondary, and tertiary prevention represent distinct approaches to health promotion and disease prevention, each targeting different stages of health intervention.

    Medicare Overview

    • Medicare reimburses 85% for services covered by Nurse Practitioners (NP) with National Provider Identifiers (NPI).
    • Reimbursement sources include managed care plans (HMO/PPO), Medicaid, Medicare, concierge services, and COBRA.

    Medicare Parts A, B, C, and D

    • Medicare A: Covers inpatient hospital stays and skilled nursing care; has no premium for most beneficiaries. Requires 20% co-pay; no annual limit on out-of-pocket expenses.

    • Medicare B: Covers outpatient services; involves a monthly premium of 174.70(2024)alongwithaseparatedeductibleof174.70 (2024) along with a separate deductible of 174.70(2024)alongwithaseparatedeductibleof240. Medicare pays 80% of covered costs after meeting the deductible.

    • Medicare C (Medicare Advantage Plans): Private-managed Medicare combining A & B with varying co-payment structures. Offers added benefits like drug coverage, vision, and dental. In 2024, the out-of-pocket limits are 8,850(in−network)and8,850 (in-network) and 8,850(in−network)and13,300 (combined).

    • Medicare D: Focuses on prescription drugs. Monthly premium is 36.78(2024)witha36.78 (2024) with a 36.78(2024)witha2,000 out-of-pocket cap for drug spending.

    Deductible Overview for 2024

    • Medicare Part A: $1,632
    • Medicare Part B: $240
    • Medicare Part D: $545

    Gaps in Original Medicare

    • Original Medicare does not cover routine vision, hearing exams, or Part D drugs.
    • Many beneficiaries choose Medicare Supplement or HMO plans to cover these gaps; average Medigap cost is around $150/month.

    Pharmaceutical Costs and Coverage Phases

    • Prescription costs vary significantly; beneficiary premiums range from 12to12 to 12to195/month.
    • Cost structure consists of four phases:
      • Deductible phase
      • Initial coverage phase (co-pays apply)
      • Coverage gap (25% of brand drug discounted rates)
      • Catastrophic phase (5% copay discount)

    Medicare Advantage Plans

    • Offer comprehensive service coverage including A & B., while providing additional benefits like drug coverage and lower co-payments.
    • Must use participating providers; designed to achieve lower costs through volume discounts.
    • Issues arise from high utilization and costs leading to many plans exiting the market.

    Types of Medicare Advantage Plans

    • Health Maintenance Organization (HMO)
    • Preferred Provider Organization (PPO)
    • Private Fee-for-Service (PFFS)
    • Special Needs Plans (SNPs)

    Medicaid Overview

    • Provides medical assistance for low-income individuals and families, particularly children, pregnant women, and those with disabilities.
    • Funded jointly by federal and state governments; eligibility criteria include Modified Adjusted Gross Income (MAGI).
    • Medicaid and CHIP provided coverage for over 72.5 million Americans in 2020.

    Medicaid Enhancement and Challenges

    • Federal government matches state dollar spending for mandatory services; reimbursement rates must attract sufficient providers.
    • No significant changes to the system have been enacted despite discussions; ACA has positively influenced enrollment processes.

    Third-Party Payer Rules

    • Seven categories define third-party payers, including Medicare, Medicaid, and indemnity insurance.
    • NPs’ reimbursement policies are determined by these third-party payers; they follow CMS guidelines.

    Billing and Reimbursement for Medicare

    • Providers can enroll to bill Medicare via PECOS or traditional forms. Each provider receives an NPI for billing.
    • Reimbursement relies on claims submitted to CMS based on services rendered, with specific guidelines for coverage, deductibles, and co-pays.

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    NUR7570 Exam 1 Blueprint PDF

    Description

    Test your knowledge on the rules and regulations regarding third-party payers in healthcare. This quiz covers various categories of payers, including Medicare, Medicaid, and managed care organizations. Understand the impact of these payers on reimbursement policies for healthcare providers.

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