The payor has a duty to provide all Medicare-covered services and is mandated by federal law to cover these services.
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What does the law say?
42 CFR §422.101(b):
(b) Comply with –
(1) CMS’s national coverage determinations;
(2) General coverage guidelines included in original Medicare manuals and instructions unless superseded by regulations in this part or related instructions.
45 CFR §146.130(a):
(a) Hospital length of stay –
(1) General rule. Except as provided in paragraph (a)(5) of this section, a group health plan, or a health insurance issuer offering group health insurance coverage, that provides benefits for a hospital length of stay in connection with childbirth for a mother or her newborn may not restrict benefits for the stay to less than –
(i) 48 hours following a vaginal delivery; or
(ii) 96 hours following a delivery by cesarean section.
(2) When stay begins –
(i) Delivery in a hospital. If delivery occurs in a hospital, the hospital length of stay for the mother or newborn child begins at the time of delivery (or in the case of multiple births, at the time of the last delivery).
(ii) Delivery outside a hospital. If delivery occurs outside a hospital, the hospital length of stay begins at the time the mother or newborn is admitted as a hospital inpatient in connection with childbirth. The determination of whether an admission is in connection with childbirth is a medical decision to be made by the attending provider.
(4) Authorization not required –
(i) In general. A plan or issuer is prohibited from requiring that a physician or other health care provider obtain authorization from the plan or issuer for prescribing the hospital length of stay specified in paragraph (a)(1) of this section. (See also paragraphs (b)(2) and (c)(3) of this section for rules and examples regarding other authorization and certain notice requirements.)
Contact a Regulatory Agency:
Agency: Centers for Medicare & Medicaid Services
Address: 7500 Security Boulevard, Baltimore, MD 21244