Mom has been on Hospice since May. Her nurse feels that moms "failure to thrive" and last stage Dementia will qualify her to stay on Hospice till she passes whether its 3 months, 6 months or a year from now. Mom has a secondary supplemental insurance plan along with the Medicare. Hospice is paid thru Medicare. Paying that supplement premium is not a financial hardship but that extra money would be nice to use to pay someone to come sit with mom, so I can get a break. I used to take mom to a local PCH for respite once in a while.They charged me next to nothing since mom and I know owners. The PCH did it really as a favor to me so I could get a moment to breathe.
However, mom is now too bad to go there and have her needs met. I know that paying someone to come to the house will cost alot more and that supplement insurance premium money will help with cost.
I know also that Hospice does pay for a 5day respite care every 3 months or so. But honestly, it would be nice to get a break once or twice a month.
So should I continue to pay for the supplemental insurance even if she is no longer using it?