Paying for Hospice Care: Who Pays & What is Covered?
When a loved one has been diagnosed with a terminal illness, worries about the cost of end-of-life care can prevent them from pursuing essential services. Thankfully, patients who meet eligibility requirements have several options to ensure the patient and their families will receive the support they need at this difficult time.
Do you have to pay for hospice care?
Individuals with Medicare, Medicaid, or private insurance find hospice care is available at little to no cost to the patient or their family. If a patient is not covered by one of these options, Crossroads Hospice & Palliative Care will work with the patient and their family in paying for hospice care, and ensuring the patient receives the end-of-life care they need.
How is hospice paid for?
Most patients have hospice care costs covered by one of the individual payment options listed below:
Medicare - A majority of hospice patients have their hospice care covered by the Medicare Hospice Benefit. The Medicare Hospice Benefit is designed to provide the terminally ill with the support of hospice comfort care. Learn more.
Medicaid – Medicaid is available for hospice care in most states. Low-income individuals, families, seniors, and people with disabilities are generally eligible for Medicaid. Check your state’s specific eligibility requirements. Learn more.
Private Insurance – While most private insurance companies model their Hospice benefit coverage on the Medicare Hospice Benefit program, coverage may vary. Learn more.
What services does hospice cover?
Hospice programs cover a wide range of end-of-life services including:
Our team of highly trained nurses partner with the patient’s primary physician and caregivers to provide pain and symptom management in the patient’s home, assisted living facility, or nursing home. In addition, nurses will answer questions and provide education and training to family caregivers on the use of medication and medical equipment and supplies.
Hospice aides make regular visits to assist family caregivers or long-term-care facility staff with the patient’s personal care needs including baths and grooming. Aides report changes in the patient’s physical, emotional, and social needs to the interdisciplinary group for coordination of care.
All medication associated with managing the pain and symptoms of the patient’s terminal illness are provided at no cost to the patient. Your hospice care team will arrange for medications to be delivered as needed.
If the patient requires the use of medical equipment including a walker, wheelchair, oxygen or hospital bed, these are provided by the hospice to ensure patient comfort and safety. Your hospice care team will arrange for medical equipment to be delivered as needed and removed from the home if it is no longer needed by the patient.
If the patient requires medical supplies such as alcohol pads, incontinence pads, catheters, bedpans, or wound and skin care supplies, the hospice will provide those supplies related to the terminal condition but will also help arrange for those that are not.
Social Work Services
The hospice social worker provides organizational and emotional support to the patient and their family. This includes connecting the family with additional financial support programs or psychosocial support available in the community.
Bereavement counselors are available to provide comfort and support to the patient coming to terms with their diagnosis in addition to providing grief support to their family. Support and bereavement counselling is available to family both before and after the death of their loved one.
Physical, occupational, and speech therapy deemed medically necessary by the hospice medical director and hospice IDG are provided to the patient.
Short-term Respite Care
Caregiving can be an exhausting role. To help prevent caregiver burnout, patients can be placed in an in-patient care facility for up to 5 days which is covered by the hospice, to give the caregiver a break. Both caregivers and patients can find respite beneficial to both their physical and mental wellbeing.
Unique Crossroads Hospice Programs
In addition to the care and support of the hospice care team, Crossroads Hospice & Palliative Care also offers several unique programs to all of our patients and no additional cost.
When a patient begins to show signs that their final hours are approaching, our unique care model provides an increased level of care to ensure that we are there when patients and families need us most. We have consistently exceeded the national average for being bedside with the patient at the time of passing and providing support to the family at that difficult time.
Crossroads Hospice & Palliative Care is proud to support our country’s military Veterans at end of life. Veterans often experience unique challenges connected to their time serving our country – even if many years have passed. This includes anxiety, depression, anger, guilt, and sleep disorders. Crossroads Hospice & Palliative Care staff and volunteers and trained to meet the special needs of our Veterans.
In addition, we have developed a Veteran Recognition Program to recognize the service and sacrifice made by our Veteran patients with a certificate and honorary presentation.
Gift of a Day
We strive to provide patients with the support they need to make the most of every day they have with their families. Our Gift of a Day program provides patients with one perfect day doing something they love whether that is a special meal with family, a performance of their favorite music, or a chance to do something they’ve never done before. Learn more.
Crossroads Hospice & Palliative Care volunteers are available to work with patients to collect stories and photos into a beautiful hardback book for their family. Life Journals record the patient’s life story to be enjoyed by the family for generations to come. Learn more.
Making the most of hospice care.
Although it can be difficult to start the hospice conversation, as well as the conversation regarding the cost of hospice care, it can be a great relief to patients and their families to know they can access wide range of support and services at little to no cost.
Regardless of your financial situation, hospice care is available to provide terminally ill patients and their families with much needed comfort and support. To speak with someone about the end-of-life care Crossroads Hospice & Palliative Care provides, please call 1-888-564-3405.