My father is 97 and in rapidly deteriorating condition. I have been taking care of him for 10 years, but fear that he is nearing the end of his life. I have discussed the possibility of hospice care with his doctor and plan to have further discussion with him about it soon.
I believe that his doctor will certify his eligibility for hospice.
My question is now about insurance coverage.
My father has excellent health care insurance including Medicare and one of AARP's most comprehensive supplemental plans. He does not however have any prescription drug coverage. Except for prescription drugs and his premiums I don't think he has paid a penny extra out of pocket in spite of 10 years of serious and extensive health problems and too many hospitalizations to count.
Assuming his doctor certifies his need for hospice, can I expect these insurers to cover the full cost of his in-home hospice care excluding of course the cost of his medications?
Thank you in advance to anyone who can shed light on this and/or offer any tips from experience.