Advantage plan Medicare and Hospice Care Plans
Medicare hospice care is for beneficiaries with a life-threatening illness whose doctors have certified that they have to live 6 months or less. Regardless of whether you are contemplating hospice care for your own self or someone else, choosing a hospice is difficult and it is a good decision to discuss all your questions with your doctor and with the treatment team.
In this article we will give anoverview of Medicare hospice care, including options that 2019 Medicare advantage plan (Medigap) can offer at a cost, so you can make sure you get all thesupport you require.
Coverage for Medicare and hospice care
Medicare covers hospice care if you are enrolled in Part A and your doctor certifies that you have 6 months or less to live. If you opt for hospice care, you agree to receive palliative care (for your convenience) and will no longer receive treatment to cure your fatal sickness.
The goal of hospice care is to make you feel comfortable and treat your symptoms, but not treat your condition. You have the right to end your hospice care at any time to return to curative treatment.
Medicare hospice care includes the following:
- Medical and nursing service
- Medical equipment
- Hospice support services
- Laundry services
- Medications prescribed for pain relief or for the treatment of symptoms.
- Short-term care
- Short-term hospital care (for pain relief or treatment of symptoms)
This article provides more detailed information for more information about Medicare hospice care.
Although most hospice care costs are covered by Medicare, there are still some costs for which you are responsible. Depending on your situation and the type of care you need, your costs may include:
- 5% of the Medicare-approved amount for hospital care
- No more than $ 5 co pay for any prescription medication (to relieve pain or to treat symptoms)
- Housing costs, if you receive palliative care in your bedroom (for example, at home or in an assisted living center)
How Medicare advantage planal plans help with the costs of hospice care
As mentioned above, most of the costs of hospice care are covered by Original Medicare. However, in some situations you may owe a co insurance or co payment. Here coverage for the Medicare advantage plan can be useful.
If you are hospitalized in a hospice (for example, in a hospital or a skilled care facility), your Medicare will cover a limited amount of care and you will be responsible for paying 5% of the Medicare-approved amount for this care. The 10 standard Medicare advantage plan plans, available in most states, provide coverage for this co-insurance. Medigap K and L plans covers 75% and 50% of co-insurance costs, while the remaining 8 Medigap plans cover for 100% of costs. Minnesota, Wisconsin, and Massachusetts have their own standardized Medicare advantage plan plans.
When it comes to the cost of prescription drugs, most of the medications your doctor prescribes may be covered by Medicare hospice. However, in some cases you must pay a maximum of $5 per medication.