How Much Hospice Costs And How To Pay For It

Because hospice care is typically much less expensive than hospital treatment, most insurance providers cover the cost of hospice care. Some managed care plans may require that you use a hospice facility with which they contract. 

Check your plan and look for words such as "hospice" "end of life care" or "palliative care". If you have quetions, contact your benefits administrator or your case manager at the insurer for the specific details, including coverage for home health care. 

Continuing medical treatment of the health condition is known as "curative treatment" even if the condition is expected to be terminal. Some hospices and insurance companies do not permit curative care for someone who has entered hospice. Others do. If the policy permits curative treatment, it is generally paid for under the policy's regular medical benefit, while the traditional hospice care is paid as a hospice benefit.  If you pay a 20% co-insurance for health care, but 0% for hospice care, the 20% co-insurance would apply to the curative treatment (but not to the hospice care).

If your policy has a limit on hospice care expense, and you start to get close to the limit, look for other areas of the health insurance that would help pay for hospice care. .

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