Talking about hospice care is probably at the top of the list of the things you never ever want to speak about or even think about. However if you have a senior health plan called Medicare it is imperative that you understand your benefits. The same holds true if you love and care for someone who has Medicare. After all, you have been paying the health insurance premiums for years and you should know and understand the benefits. It is also important to know and understand the benefits so you and your family may make informed choices and decisions.
Hospice provides comfort and support for the terminally ill and for the families that care for their loved ones. A lot of times what happens is that an elderly person will be told that they have six months or less to live. Someone will probably suggest that the family "make arrangements". What does "make arrangements" in this case actually mean? It means that there is help available for your loved one at a very difficult time. It's called hospice and your senior health plan will cover almost all of the costs. Hospice is generally given in the home but may also be received at an inpatient hospice facility. Some large hospitals may also have special "hospice" wings.
After a person has been given over to hospice a specially trained medical team will take over providing all medical care. Services may include drugs, physical care, counseling, equipment and supplies for the terminal illness and related condition(s). Hospice care is given in two ninety day periods of care followed by an unlimited number of sixty-day periods. At the start of each period of care, the hospice medical director or doctor must re-certify that you're terminally ill.
If your health improves or you go into remission you have the right to stop hospice care at any time. You may return to the same senior health plan you had before you chose hospice, such as treatment to cure the terminal illness. If you are eligible you may go back to hospice care at any time. For more information always consult a licensed insurance agent that specializes in senior health plans.
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