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Does Medicare cover hospice?

Hospice care can help improve the quality of life for people who are nearing their end of life. It is usually provided in the person’s home and focuses on physical and emotional comfort. You might expect hospice care and Medicare to go hand-in-hand, and sometimes they do. Original Medicare covers it if you meet certain requirements.

Qualifications for getting hospice care through Medicare

 

Original Medicare (Parts A and B) covers care related to terminal illness. You’ll need to meet certain qualifications to get coverage through Medicare.

 

These include:

 

  • Your hospice doctor and primary care provider both certify that you are terminally ill

  • You accept palliative benefits (care for comfort) instead of care that tries to cure your illness

  • You have signed a statement of your choice to receive hospice care instead of other treatments Medicare covers

 

What hospice benefits does Medicare cover?


Most people receive hospice at home. During this time, Medicare Parts A and B still cover health problems unrelated to terminal illness.

 

Other hospice benefits under Medicare may include:

 

  • Nursing care

  • Hospice aid and homemaker services

  • Social worker services

  • Medical equipment

  • Services from a doctor and/or physician assistant

  • Prescription drugs aiding comfort or symptom control

  • Dietary counseling

  • Physician and occupational therapy

  • Grief counseling

 

What hospice services are not covered?

 

A wide range of care can go into the hospice experience. But not everything is covered by Medicare.

Here’s what isn’t covered:

 

  • Curative care (care meant to cure illness)

  • Prescription drugs meant to cure illness

  • Care from a hospice provider that wasn’t set up by your hospice medical team

  • Room and board (if you do not receive hospice at home)

  • Outpatient or inpatient hospital care and ambulance transportation

 

Cost of hospice care with Medicare coverage


If you qualify, your care is usually completely covered. But there may be some hospice care costs to plan for. You may have a copayment of up to $5 for drugs that help with pain and symptom relief. In unusual cases where your drug is not covered, your provider will check if Part D covers it. If Part D does not cover it, you will pay the full cost. You may also pay 5% of the Medicare-approved amount for respite care (short-term care that offers caregivers a break). If you don’t get hospice care at home, your costs could include room and board.

 

Learn more about planning for Medicare costs

 

Explore your Medicare options for hospice care


A little planning goes a long way. Review Medicare hospice eligibility requirements and enroll in Medicare Parts A and B if you haven’t already done so. Be sure to speak to loved ones about care options and find a provider you trust.

 

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