Hospice Benefits From Medicare
|Hospice is a special way of
caring for a person whose disease cannot be cured. It is available as a benefit under
Medicare Hospital Insurance (Part A) to beneficiaries with a very limited life expectancy.
A Medicare beneficiary who chooses hospice care receives non-curative medical and support services for his or her terminal illness. Home care is provided along with necessary inpatient care and a variety of services not otherwise covered by Medicare. The focus is on care, not cure. Emphasis is on helping the person to make the most of each hour and each day of remaining life by providing comfort and relief from pain.
What Is Hospice Care?
Under Medicare, hospice is primarily a program of care delivered in the patient's home by a Medicare-approved hospice. Reasonable and necessary medical and support services for the management of a terminal illness are furnished under a plan-of-care established by the hospice and the patient's attending physician (if the patient has an attending physician). Hospice care may also be provided in a skilled nursing facility or in a unit of such a facility. Medicare pays nearly the entire cost of those services. The only expense to the patient is limited cost-sharing for outpatient drugs and inpatient respite care.
When all requirements are met, Medicare covers:
Who Is Eligible?
Medicare coverage for hospice care is available only if:
Who Provides Hospice Care?
Hospice care can be provided by a public agency or private organization that is primarily engaged in furnishing services to terminally ill individuals and their families. To receive Medicare payment, the agency or organization must be approved by Medicare to provide hospice services. To find whether a hospice program is approved by Medicare, ask your physician, the organization that offers the program, or call the State Health Department or the State Hospice Association for your State.
How Is Care Provided?
Hospice uses a team of people to deliver care. The team usually consists of family, a nurse, physician, social worker, dietitian, counselor, clergy and volunteers, all working together to plan and coordinate care. Speech-language pathologists, physical therapists, occupational therapists and other trained caregivers are available as needed.
While a family member or other caregiver attends to the patient on a daily basis, members of the team make regular home visits. In addition, a nurse and physician are on-call 24 hours a day, 7 days a week to provide advice over the telephone and to make visits whenever necessary.
If inpatient care is needed, the hospice team can arrange for care to be provided in another setting. In some cases, the care is provided in an inpatient hospice unit, hospital, or nursing home, depending on the needs of the patient.
Even though the hospice team includes a physician, patients can continue to use their personal physician. Medicare will help pay for covered services provided by a physician not affliliated with the hospice if the patient is covered by Medicare Medical Insurance (Part B).
How Long Can Hospice Care Continue?
Special benefit periods apply to hospice care. A Medicare beneficiary may elect to receive hospice care for two 90-day benefit periods, followed by an unlimited number of sixty day periods.
The benefit periods may be used consecutively or at intervals. Regardless of whether they are used one right after the other or at different times, the patient must be certified as terminally ill at the beginning of each period.
A patient has the right to cancel hospice care at any time and return to standard Medicare coverage, then later re-elect the hospice benefit.
If the patient cancels Hospice during one of the benefit periods, any days left in that period are lost. For example, if a patient cancels at the end of 60 days in the first 90 day period, the remaining 30 days are forfeited. The patient is, however, still eligible for the second 90 day period and the unlimited number of 60 day periods.
Besides having the right to discontinue hospice care at any time, patients also may change hospice programs once each benefit period.
How Is Payment Made?
Medicare pays the hospice directly at specified rates depending on the type of care given each day. The patient is responsible only for:
What Is Not Covered?
All services required for treatment of the terminal illness must be provided by or through the hospice. When a Medicare beneficiary chooses hospice care, Medicare will not pay for:
Are Other Medicare Benefits Available?
When a Medicare beneficiary chooses hospice care, he or she gives up the right to standard Medicare benefits only for treatment of the terminal illness. If the patient, who must have Part A in order to use the Medicare hospice benefit, also has Medicare Part B, he or she can use all appropriate Medicare Part A and Part B benefits for the treatment of health problems unrelated to the terminal illness. When standard benefits are used, the patient is responsible for Medicare's deductible and coinsurance amounts.Source: Health Care Financing Adminsitration, 1998
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