Hospice Financial Coverage
There are a number of options for paying for hospice care
Private Insurance and Health Maintenance Organizations (HMOs)
Check with your insurance company or HMO to determine your coverage; many offer hospice care benefits.
This government insurance program covers people 65 years or older; people younger than 65 who have some chronic conditions; and people with kidney failure, no matter their age. Medicare Part A (which all of the above are eligible for) covers all services, medications, and equipment provided through a hospice program. If you are a Medicare recipient, you can receive hospice care if two doctors have determined that your life expectancy is 6 months or less assuming the disease follows its natural course. Medicare Part B (which is optional and which you pay into) may offer palliative coverage, depending on the treatment. Medicare coverage is explained on Medicare.gov, the official U.S. government site for Medicare. For more information, visit the Medicare Rights Center.
This government insurance program covers people with very limited income and resources. It is a state program, so coverage varies by state. Medicaid covers hospice benefits in 45 states and Washington, DC. To find out if your state is one of the 45, or for more information about coverage, ask your primary care doctor.
Please note that hospice financial coverage differs from palliative medicine financial coverage. For more information about hospice coverage, visit the National Hospice and Palliative Care Organization's patient website, Caring Connections.