More than 1.7 million Americans use hospice each year to maintain or improve their quality of life due to a terminal illness. Hospice care plans address physical, emotional, and spiritual pain and offer support to caregivers during the grieving process. Hospice decisions can take an emotional and financial toll on you and your family, so you may be asking… “Does Medicare cover hospice?”
What does Medicare cover for hospice care?
If you are enrolled in Medicare Part A (hospital insurance), you may qualify for hospice care. However, you must meet the following criteria:
- Your doctor certifies that you are terminally ill (with a life expectancy of less than 6 months)
- You accept palliative care (for comfort) rather than try to cure your condition
- You sign an agreement choosing hospice care over other Medicare-covered benefits to treat your illness
You are not eligible if you had already made a hospice election or have not previously received pre-election hospice services (evaluation of your need for pain and symptom management).
If you meet the above criteria, the following services may be part of your hospice care plan and are covered in part by Medicare:
- Doctor services
- Nursing care
- Durable Medical Equipment (DME)
- Medical supplies
- Prescription drugs for pain control or relief
- Nutritional counseling
- Physical and occupational therapy
- Hospice aide and home services
- Short-term inpatient respite care
- Short-term inpatient care for pain management
- Counseling for families
- Other services focused on pain and symptom management
There may be a co-payment of $5 for your prescription drugs or other pain relief. You may also need to pay 5% of the Medicare-approved amount for respite care. However, the following services are not covered by Medicare:
- Treatment with the intention to cure
Hospice is intended for people who have six months or less to live. To receive hospice care, you can not receive curative treatment. If you decide to receive treatment, your hospice care is no longer covered. However, you can withdraw from your hospice care at any given point, and you can resume treatment as long as you are still eligible.
- Prescription drugs intended to cure
Just like you can’t pursue curative treatment, you can not take prescription drugs that are intended to cure your illness when receiving hospice care. Hospice only covers drugs that are intended for pain relief and control.
- Care for any hospice provider that wasn’t arranged by the hospice team
You are only eligible to receive care from the hospice team that you initially select. You cannot get hospice coverage from a different provider unless you go through the switching process. However, you can still visit your regular doctor if they have been appointed to supervise your hospice care plan. You can only switch to a different hospice provider once per benefit period. If you are interested in switching, be sure to do your research and pick a hospice team you feel comfortable with.
- Room and board
Medicare does not cover room and board regardless if you live at home, in a nursing home or inpatient assisted living facility, or inpatient hospice office. The only exception is during short-term inpatient or respite care stays in which Medicare will help cover the costs.
- Emergency care
Emergency transportation is not covered by Medicare’s hospice benefits. Medicare will not cover emergency inpatient hospital care unless they are arranged by your hospice team or unrelated to your terminal illness.
Does Medicare cover hospice in a nursing home or at home?
If you are eligible, Medicare will cover hospice care regardless if you receive the care in your home, nursing home, or inpatient facility. Some nursing homes work directly with a hospice team. In a nursing home setting, your hospice team can help with the following:
- Regular visits to the nursing home
- Consultations by specialized hospice physician as needed
- Pain and medication management
- Educating staff on symptoms, medications, and care
- Emotional and spiritual support
- Coordinating care across all patient’s medical providers including doctors, hospice team, and nursing home staff
How long will Medicare pay for hospice care?
Hospice care is intended for people who have less than an estimated six months to live. If you still require hospice care after six months, you can continue to receive benefits if a hospice doctor recertifies your terminal illness in a face-to-face meeting. You can get hospice care for two 90-day benefit periods followed by an unlimited number of 60-day benefit periods.
Hospice and Medicare Supplements
Medicare Supplements can help cover the gaps in hospice care that Original Medicare may not, like prescription drugs for pain relief and respite care. After your Medicare coverage, you will likely be responsible for 5% of your total respite care costs and a $5 copayment per prescription drug. Medicare Supplements can cover some, or all, of these gaps.
Medicare Supplement Plans A, B, C, D, F, G, M, N cover 100% of hospice coinsurance and copayments. Medigap Plan K covers 50% and Plan L covers 75%. If you are interested in enrolling in a Medicare Supplement plan, or have questions on how these plans work with your correct coverage, click here to get in contact with a licensed agent.
Medicare Advantage and Hospice
If you enroll in a Medicare Advantage plan, you will have the same hospice care coverage as with Original Medicare. However, Medicare Advantage plans offer extra benefits like vision, hearing, and dental coverage. They also offer group fitness classes like SilverSneakers. If you are interested in enrolling in a Medicare Advantage plan, fill out this form, or give us a call at 833-438-3676. There is no cost to you to meet with one of our agents and there is never an obligation to enroll.