The purpose of hospice is to provide comfort care and maintain a high quality of life for people who are facing the end of life. Hospice providers focus on addressing a terminally ill person’s physical, emotional and spiritual needs in lieu of curative treatment. If a chronically ill senior is eligible for Medicare, their end-of-life care is likely covered.
Medicare Requirements for Hospice Coverage
- The senior must have Medicare Part A (hospital insurance).
- A hospice medical director (and the senior’s regular doctor, if they have one) must certify that the senior is terminally ill and has a life expectancy of six months or less.
- The senior (or their legal guardian) must elect palliative care instead of Medicare-covered benefits intended to treat their terminal illness and other related conditions and sign a statement attesting to such.
- Care must be provided by a Medicare-approved hospice provider.
What Hospice Services Does Medicare Cover?
Hospice providers offer comprehensive services that benefit both the patient and their family members. It’s important to understand that the following services may be part of a patient’s plan of care and are covered at least in part by Medicare:
- Doctor services
- Nursing care
- Durable medical equipment (such as wheelchairs or walkers)
- Medical supplies (such as bandages and catheters)
- Prescription drugs for symptom control or pain relief
- Nutritional/dietary counseling
- Hospice aide and homemaker services
- Physical and occupational therapy services
- Social work services
- Grief and loss counseling for both the patient and their family
- Short-term inpatient care for pain and symptom management
- Short-term inpatient respite care
- Any other Medicare-covered services recommended by the hospice team
Short-Term Respite Care for Family Caregivers
Caring for a seriously ill loved one, especially someone who is nearing the end of their life, is a physically and emotionally taxing job. One of the most helpful hospice services that Medicare Part A offers is short-term inpatient respite care. This service allows a terminally ill person to continue receiving hospice care at a Medicare-approved hospice house, skilled nursing facility or hospital so their family caregiver can rest and recuperate. Inpatient respite may last up to five days and there may be a small copayment required to cover the patient’s room and board during their stay. A patient and their family may request respite more than once, but this service can only be provided on an occasional basis.
What Medicare Will Not Cover
If a Medicare beneficiary qualifies for and elects to receive hospice care, the following items and services will not be covered.
- Treatment intended to cure a terminal illness.
If a senior decides to receive curative treatment for their terminal illness, then hospice care is no longer covered. Patients have the right to withdraw from hospice care at any time. They may also resume treatment at any time as long as they still meet all eligibility requirements.
- Prescription drugs to cure the terminal illness.
Only drugs intended for pain relief and symptom control are covered by Medicare’s hospice benefit.
- Care from any hospice provider that wasn’t arranged by the hospice medical team.
All care must be given or arranged by a single hospice medical team of the patient’s choice. A senior cannot get the same type of hospice care from a different provider, unless they officially change their selected Medicare-approved hospice provider. However, a patient may still see their regular doctor or nurse practitioner if they have been appointed to supervise the patient’s hospice care.
- Room and board.
Medicare does not cover room and board for hospice patients who live at home, in nursing homes, in assisted living facilities or in inpatient hospice houses. Room and board is only covered during short-term inpatient or respite care stays.
- Emergency care.
Transportation by ambulance, care a patient receives in an emergency room and care received as a hospital inpatient are not covered by Medicare’s hospice benefit unless these services are arranged by the patient’s hospice medical team or unrelated to their terminal illness.
What You Pay for Hospice Care
Most Medicare beneficiaries pay little to nothing for hospice care. In some situations, the following small out-of-pocket copays may be necessary for certain items and services.
- Prescription co-pays.
A patient will pay no more than $5 for each prescription drug and other similar products they need for pain relief and symptom control. If a specific medication is not covered by the hospice benefit, the hospice provider will contact the patient’s Part D prescription drug plan to inquire about covering it.
- Five percent of the Medicare-approved cost for inpatient respite care.
Medicare negotiates fixed rates (Medicare-approved costs) with doctors and suppliers who accept assignment. For example, if the approved cost is $100 per day for inpatient respite care, then the patient will only be responsible for paying $5 per day.
Original Medicare (Parts A and B) will cover everything a patient needs related to their terminal illness, even if they are enrolled in a Medicare Advantage Plan (Part C) or have a Medigap (Medicare Supplement Insurance) policy. If a senior on hospice wishes to remain enrolled in their Advantage Plan and make use of medical benefits and services unrelated to their terminal illness, then they will need to continue paying their premiums. Medigap policies typically provide additional coverage for things like prescription drugs and respite care for patients while they are receiving hospice care.
How Long Can You Receive Hospice Care?
Hospice care is for patients who have six months or less to live. However, estimating someone’s life expectancy is not an exact science. Therefore, the initial Medicare hospice benefit is broken down into two 90-day benefit periods that are followed by an unlimited number of 60-day benefit periods. A terminally ill patient can continue receiving covered hospice care as long as their hospice physician continues to certify that they have six months or less to live. Some people retain their terminal status yet survive much longer than expected and remain under hospice care for many months or even years.
A patient must receive a recertification at the start of each new benefit period. However, a face-to-face meeting with a hospice doctor is required prior to the start of their third benefit period (day 180 of hospice) to recertify their eligibility. These face-to-face recertification meetings are then required prior to each subsequent 60-day benefit period and must take place no earlier than 30 days before the new benefit period begins.