Who Pays for Hospice?
There is no reason to defer hospice care due to financial concerns. The Medicare Hospice Benefit is an inclusive benefit, in which all services that are related to the terminal illness are covered 100 percent by Medicare part A. There are no co-pays or out-of-pocket expenses. Care that is unrelated to the terminal illness continues to be covered by Medicare Parts A and B, with all normal rules applicable (e.g., co-payments, coverage guidelines and deductibles).
Coverage includes everything involved in hospice care, from visits by a nurse, physician and other healthcare professionals to therapy, medication and supplies.
Paying for Hospice: What Are My Options?
For those not eligible for Medicare or Medicaid, payment for hospice can come from private insurance or an HMO, since these also include a hospice benefit.
Hospices employ financial specialists to help families who do not qualify for federal assistance and do not have insurance find available resources. The payment options for these families include self-pay and charitable organizations.
Facing a terminal illness brings with it many concerns. Paying for end-of-life care shouldn’t be one of them.
The Medicare Hospice Benefit
The Medicare Hospice Benefit provides coverage for the following services:
- An interdisciplinary team of hospice professionals
- Home medical equipment
- Respite care
- Continuous care
- Inpatient care
- Routine home care
- Bereavement support
Source: NHPCO's Facts and Figures: Hospice Care in America