Stroudwater Associates, a rural health care consulting firm based in Portland, ME has created a set of resources for rural hospitals to access support from the CARES Act of 2020.  This resource on the most relevant sources of assistance available to hospitals and health systems as a result of the COVID-19 pandemic, includes Medicare accelerated payments, the Small Business Administration Payroll Protection Program, and other traditional cash management strategies.

Please click here to access the resources.

CMS recently updated recommendations to postpone non-essential surgeries and other procedures to conserve critical healthcare resources and limit exposure of patients and staff to COVID-19. Developed in collaboration with medical societies and associations, the recommendations outline a tiered approach for state and local officials, clinicians, and delivery systems to consider to prioritize services and care to those who require emergent or urgent attention to save a life, manage severe disease, or avoid further harms from an underlying condition.

Recommendations

CMS posted a letter to clinicians that outlines a summary of actions CMS has taken to ensure clinicians have maximum flexibility to reduce unnecessary barriers to providing patient care during the unprecedented outbreak of COVID-19. The summary includes information about telehealth and virtual visits, accelerated and advanced payments, and recent waiver information.

Letter

• The CARES Act included Medicare telehealth flexibility for FQHCs and RHCs for the duration of the crisis. It authorizes Medicare reimbursement for health centers and rural health clinics as distant sites for the duration of the emergency, not reimbursed at PPS rate but instead “such payment methods shall be based on payment rates that are similar to the national average payment rates for comparable telehealth services under the physician fee schedule under section 1848.”
• Since 2019, FQHCs could bill Medicare for virtual communication services (aka phone calls) using code GOO71. (This is in lieu of the codes 99441, 99442, and 99443, which only those providers who bill under the fee schedule can use.) The payment is around $14, and FQHCs cannot bill for it if the patient had a related evaluation/management service within the previous 7 days or has an on-site appointment within the next 24 hours. These services must be initiated by a patient and as long as the provider responding to the call is an employee or contractor of the health center, he or she does not have to be physically located at the health center while delivering these services. CMS also has an FAQ document on virtual communication.

On March 30 the Centers for Medicare & Medicaid Services (CMS) issued an array of new rules and waivers of federal requirements offering maximum flexibility to respond to the COVID-19 pandemic including a section entitled “Further Promote Telehealth in Medicare.” There is a provider-specific fact sheet on new waivers and flexibilities for FQHCs and RHCs but it does not address telehealth.

The Small Business Administration (SBA) released the loan application for the Paycheck Protection Program and an information sheet containing loan guidelines. Some highlights of the guidelines:

• April 3, 2020: Loan applications will start being accepted for businesses and sole proprietors
• April 10, 2020: Loan applications will start being accepted for independent contractors and self-employed individuals
• More lenders will be added as they are approved/enrolled. To apply, you should reach out to one of the approved lenders
• There are no changes to affiliation standards from those specified in the CARES Act. However, additional guidance may be released by SBA as appropriate
• All loan terms will be the same for everyone
• Due to anticipated high demand, SBA anticipates allowing not more than 25% of the forgiven loan amount to be used for nonpayroll costs (utilities, rent and interest on a mortgage)
• Interest Rate: 1% fixed rate, lowered from 4%
• Maturity: 2 years, shortened from 10 years

Since the beginning of this pandemic, there has been a push to establish a Health Insurance Marketplace Special Enrollment Period (SEP) due to the COVID-19 Emergency Declaration. The Trump administration has decided against reopening the Marketplace to those needing coverage during the coronavirus pandemic. The Special Enrollment Period (SEP) for loss of coverage is still available for individuals losing job-based coverage. Consumers have 60 days from the last day of coverage to sign up for an SEP. In Pennsylvania, Medicaid benefits will not be terminated for consumers as of March 18 until the end of the emergency declarations unless the individual leaves the state or voluntarily terminate their benefits. While county assistance offices remain closed to the public, consumers can still apply online and via the mobile app. Documents needed for verification can be submitted via the COMPASS webpage, mobile app or dropped off at county assistance office locations in the designated mailbox.