Should my mother drop the Medicare supplement if hospice is taking over?

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Ambriel Asked May 2016

Should my mother drop the Medicare supplement if hospice is taking over?

My mother is in a assisted living memory care facility. She is going to be evaluated for hospice tomorrow, which I believe will result in routine/inpatient hospice care. Her problems are chronic pain and multiple diabetic complications. I understand medicare covers it, so she can drop the Medicare supplement, which will help greatly to cover the cost of her rent and board in the facility. Should she drop the Medicare supplement and if she is discharged from hospice, can the supplement be reinstated?

Medicaid

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score 1 · Answer 1

Ambriel, go through this list of items that Medicare would or would not pay. Chances are the secondary insurance would pay some of the costs.

https://www.medicare.gov/coverage/is-your-test-item-or-service-covered.html

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score 0 · Answer 2

Thanks for answering. :) Really appreciate it. Update: She was not approved for hospice....so, I'm just left still wondering if the supplemental insurance really makes sense when she could be using it to pay toward her room and board in the facility. What would really happen she cancelled it? What is the likelyhood she would ever be in the hospital for more than 60 days?

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score 1 · Answer 3

Ambriel, I wouldn't cancel the secondary insurance. I was just looking at my Mom's secondary insurance record when she was in Hospice, and the doctor who was assigned to the long-term-care unit was being paid by the secondary insurance.

Even under Hospice care, urinary tract infections are treated so that the patient remains comfortable, and there are cost for lab services, meds, etc. might be paid under the secondary insurance.

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score 1 · Answer 4

I would not drop it at this point, you do not know the outcome. Reinstatement will not kick in immediately.

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score 0 · Answer 5

I wish I knew more about these questions Ambrief. Hopefully, some of the very informed posters will chime in here. I would make certain that I got all the pertinent information before I cancelled anything though.

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Should my mother drop the Medicare supplement if hospice is taking over?

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