As a nursing student, I was told (unofficially, not in the classroom, but by RNs during clinicals) that we should lie to the patient and tell them insurance wouldn’t pay in such a situation. But it was clear that it was a lie, and that insurance would pay, it’s just one of those things you say to patients to get them to do what you want them to.
I won’t do it. Nor have I ever seen any evidence that it’s true - except maybe in the case of mental health treatment, where I don’t know a thing about it and insurance often works differently, and leaving AMA is a very different kettle of fish.
Pediatrics is a different story, however. I’m not sure if states differ, or if the age of the patient is important, but here in Illinois, at least, a parent may not sign out a young child AMA. They may insist on a transfer of physician (that is, fire their doctor and get another from the same hospital) or a patient transfer to another hospital, but they may not take the child home against medical advice. It’s part of the legal tangle when dealing with minors - the state has an interest in the welfare of children, and backs the doctor’s opinion with the weight of law.
Interestingly, there are times when the hospital *hopes *you’ll leave AMA. I had one patient who was a “frequent flyer” with a very specific pattern: she’d come in for some complaint, usually dizziness or a cough. She’d deny any pain on admission. Then, over a period of a few days, would develop pain in the hospital, and she’d get the doctor to prescribe Dilaudid in increasing amounts. When they’d suggest that perhaps she’d had enough and could go home now, she’d threaten to commit suicide if they sent her home. What do you do? If you keep her in the hospital to chug Dilaudid, she’s taking up a bed someone else needs (not to mention her insurance/Medicaid will run out eventually) and not effectively treating her real issue of substance abuse. If you send her home and she *does *attempt suicide, your doctors, nurses and hospital as a whole are open to a huge liability. The way they generally handled it was to instruct the nurses to ignore her call light, unplug the TV and call it “broken”, keep increasing the time between medication dosages, and basically bore her into leaving AMA, getting them off the hook if she did harm herself later.
MMM, I think you may be using the term “extra day’s stay” differently from other posters. Certainly the insurance won’t cover a day not approved, but they often approve days not used. That is, on Sept 31, the doctor makes a request for admission and the insurance may approve Oct. 1- Oct. 5 for inpatient care. Things go well, and the doctor may tell the patient on Oct. 3 that he can go home. Delaying paperwork can indeed roll that over into the next billable day, already preapproved by the insurance, for which the patient has no medical need. I don’t know that it’s a common strategy, mind, but it’s not exactly in tinfoil hat territory.