Does Medicare Cover Hospice?
Although Medicare does cover some hospice services for those who qualify, it does not cover all services, including room and board in a hospice residential facility or nursing home.
A Medicare Supplement (Medigap) plan can help cover hospice costs you might be required to pay out of pocket, such as Medicare deductibles, coinsurance, copays and more.
What Hospice Services Does Medicare Pay For?
Hospice helps maintain the quality of life for a person who has a disease or illness that is unlikely to be cured.
Hospice is a unique form of health care that focuses on care, not treatment. Health experts consider hospice a model for quality and compassionate care.
When one chooses hospice, he or she benefits from a team-oriented response, with support that includes pain management, emotional support and spiritual support.
Hospice is usually provided at one’s home, but may also be provided at a hospice inpatient facility.
Medicare typically pays for hospice care that can include:
Medical equipment and supplies
Prescription drugs that limit and control pain
Homemaker services and hospice aides
Occupational therapy and physical therapy
Speech-language pathology care
Counseling on one’s diet
Grief counseling for the patient and the patient’s family
Does Medicare Have Hospice Coverage Limits?
Medicare covers several hospice care services, but not everything.
Some hospice services that Medicare does not cover include:
Treatment designed to cure one’s terminal illness
Care from a hospice provider that wasn’t arranged by your hospice team
Room and board in your home or in a nursing home or hospice inpatient facility
Transportation by ambulance
How Much Does Hospice Cost With Medicare?
Medicare Part A should provide coverage for most of your hospice care. However, you may need to pay for prescription drugs that offer pain relief and symptom control.
In most cases, the Medicare copayment for each prescription drug is capped at $5.
You may also need to pay 5% coinsurance costs of the Medicare-approved amount for respite care. Respite care is temporary care provided at a nursing home, hospital or hospice inpatient facility, in order to provide rest for a caregiver.
Medigap Plans Can Help Pay for Hospice Care
Medicare Supplement Insurance can help pay for certain Medicare out-of-pocket costs — including deductibles, copayments and coinsurance.
Each of the 10 standardized Medigap plans available in most states offers coverage for Medicare Part A hospice care coinsurance or copays.
A licensed agent can help you decide on a Medigap option that works for you. Call today to speak with a licensed agent and compare the Medigap plans that are available where you live.
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Christian Worstell is a health care and policy writer for MedicareSupplement.com. He has written hundreds of articles helping people better understand their Medicare coverage options.