It seems that all of the current national headlines are about healthcare reform. Even if you are not interested in this topic, you probably know that some 46 million people in this country are without health insurance. Health insurance comes in many forms. The major insurer in this country is Medicare. For people who have worked and received Social Security they also, if disabled or retired, qualify for Medicare.
Most of us who are still working have health care provided in full or part by our employer. Those in the military and their dependents have full coverage and those with past military service may have Veterans Administration healthcare benefits. Health insurance comes in many forms and the coverage may be minimal or complete.
Some of the political and economic debate about healthcare reform is based on the expense of Medicare, the concept of employee benefit through the workplace, or individually owned health insurance policies, and the concept of universal healthcare (which generally means we all, every person, has the same government sponsored insurance and we all get the same healthcare benefit).
How does all of this affect who pays for hospice? Hospice care has been a Medicare benefit since 1983, and since most patients in hospice are over 65-years-old or have been on Social Security disability, Medicare pays most of the hospice bills across the country. Private health insurance usually focuses on cure, recovery, and rehabilitation. Some insurance companies are now starting to understand the importance of hospice, and that hospice can be a benefit of many private healthcare policies. Tricare and VA help those with present and past military service. Medicaid, on the state level, may assist those who qualify.
Probably the most important concept for hospice is the concept of compassionate care at the end of life. This care is not only meant to be sensitive and supportive to the patient and family in terms of medical care, it is meant to identify burdens and stresses in the patient’s life and help diminish them. One major stress may be the worry a patient or their family has about paying for hospice services.
Medicare, private insurance, Medicaid, Tricare and veterans benefits may pay for hospice services. Most hospices practice compassion in accepting all patients who need their services, not just the ones who can pay for it. So, in the final analysis, insurance coverage is not required by most hospices.
My recommendation would be, if you or someone you care about might need hospice services, ask right up front about insurance and pay requirements or restrictions. The patient and their family are the customer and as the customer they can pick and choose that hospice that represents the highest quality and can provide them service based on their need, not their ability to pay.
~ Dr. Leonard Hock
Posted by covenanthospice
Posted by covenanthospice
Posted by covenanthospice