6 Things You Need to Know About Hospice Care

Does your loved one require daily care and perhaps even around-the-clock attention?

Would you like to provide them with this care but it is simply too difficult on your part financially?

You might want to consider hospice.

Unfortunately, what many people do not know is that there are several types of hospice care and each type has specific qualifications. If you feel your loved one qualifies then keep reading.

#1. Hospice care is not just for the elderly.

People of any age can qualify for hospice care, even children! There are a few things that need to be considered however when a child has a terminal illness. The first thing to consider is whether or not the child will die within six months or less from diagnosis. If this is the case then it would be considered an end-of-life situation. It is also important to consider whether or not the child’s symptoms are constant, meaning that death will not be sudden.

#2. People with terminal illnesses can qualify for hospice care.

The most common type of hospice care is comfort-focused. However, there is also a medical component that aims to prolong life. If this is the case then treatment will be provided and will continue until it reaches a point where making the patient comfortable would only prolong their suffering or if it becomes too difficult for you financially to provide care.

#3. Hospice is an option if you are struggling financially to

Many times people are denied hospice aid because they have too much money in the bank or own property.

To be considered financially eligible it is recommended that you have less than $2000 in savings, do not own a home, and have very little if any income of your own.

All of your income should go towards providing care for your loved one.

#4. You might be eligible for Medicare or Medicaid benefits that will cover some of your loved one’s hospice costs

Medicare is available to people over the age of 65 who are disabled, permanent residents of long-term care facilities, or those diagnosed with end-stage renal disease (ESRD).

If you are unsure if you are eligible for Medicare then call the number listed on the back of your card or visit their official website.

Medicaid is available to individuals with a low income. However, there are also other conditions that need to be considered before it can be granted.

You will need to discuss your circumstances with someone in Benefits Management at your local Social Security office.

If you are denied coverage, ask why and appeal the decision if necessary

If you are struggling financially then it is recommended that you speak with someone in the financial help department of your hospice billing provider. They have no reason to deny aid if they are willing to provide it so there should be nothing standing in your way.

#5. Your doctor may have a list of resources in your area that provide free or low-cost hospice services

If you or a loved one are unable to pay for services then do not hesitate to ask your doctor if they know of any resources in your area where this care is provided free of charge.

In the end, many hospice agencies receive funding from charitable foundations and local businesses. In addition to this, there are also government programs available for families who are struggling to pay.

Your doctor may also be able to provide you with a list of free or low-cost hospice services in your area.

#6. If you are denied coverage, ask why and appeal the decision if necessary.

If this is the case then chances are that there is some type of mistake made.

Conclusion

In the end, contact your hospice service provider and ask for a list of free or low-cost services in your area.

If you are struggling financially then it would benefit you to speak with someone about different options that may be available to you.