Hospice Care: Discovering A Free Medicare Benefit
Hospice services are always available, twenty four hours a day, seven days a week. There is always a nurse on call at night and on weekends. The nurse will then visit a patient as often and as long as necessary to make sure that there is quality care. Because of this wonderful service, many people are under the impression that hospice care is expensive, and yet they believe that they cannot afford such a treatment. However Medicare, Medicaid and private insurance companies cover hospice care and services. This would include, but is not limited to, medications, medical supplies, nursing care, home health aides and social services. In 1983, Congress established the Medicare Hospice Benefit, covered under Medicare Part A, to ensure that all beneficiaries could receive high-quality end-of-life senior care. In order to receive the Medicare Hospice Benefit, the patient must meet three key criteria.
First, the patient’s doctor must certify, in his or her best clinical judgment, that the patient is terminally ill with a life expectancy of six months or less. If the patient lives longer than six months, he or she can continue to receive hospice care just as long as the doctor re-certifies that the patient is under a terminal case and with declining health. The second key criterion is that the patient is willing to receive comfort care instead of curative treatments for their illness. For example, a patient could not be getting chemotherapy to cure their illness and be getting hospice care simultaneously. Hospice is intended be used once curative treatment is no longer an option. Finally, the patient needs to enroll in a Medicare-approved hospice program. This should be one of the first questions you ask in determining which hospice agency to use. More than 90% of hospices in the United States are certified by Medicare.
Congregate care is the same as to independent living. Residents of congregate care live independently, for the most part. This type of housing environment is usually offered at least one communal meal per day, and it’s common for services and activities to be offered to residents. Independent living, on the other hand, typically offers only living quarters and limited services.
Tags: adult day care, long term care, long term care insurance