05/28/2026
Know Your Rights: Don't Get Caught Off Guard by Surprise SNF Bills
Did you know that Medicare requires a 3-day qualifying hospital stay before it will cover care in a skilled nursing facility? Here's the catch: time spent on "observation status" (billed as outpatient) doesn't count toward those 3 days—even if you're in the hospital for multiple days.
Many people ask hospital staff about their status and are given incorrect information about whether they qualify for Medicare SNF coverage. Some nursing homes don't properly notify residents when they lack the qualifying stay, leading to unexpected bills for thousands of dollars.
You have consumer rights! Connecticut's Unfair Trade Practices Act (CUTPA) protects you from deceptive practices. If a facility tells you "not to worry about the cost" and then bills you later, you may have legal recourse.
Read this important article from the Center for Medicare Advocacy to learn more about your rights:
Medicare coverage is confusing - even if beneficiaries inquire about their status, they may be provided with false information.