Hospice care is covered under most of the government and private health insurance plans.
Affordable Care Act. Hospice and palliative care benefits must be covered by all insurance plans offered in the United States. However, each state can decide how to meet this requirement and how, or if, hospice services will be a covered service.
Medicare. Part A of the federal Medicare program provides hospice coverage. The hospice benefit starts with 2 periods of 90-days each, then an unlimited number of 60-day periods. All Medicare recipients are eligible for Hospice benefits.
Medicaid. Nearly all states offer Medicaid coverage of hospice benefits that parallel the Medicare benefit.
Tricare. Hospice is a fully covered benefit for military personnel and retirees at Medicare-certified hospices.
Employer-Provided Insurance. Most of these plans offer a hospice benefit similar to Medicare. However, there are some variations among employers.
Personal Pay. If there's no insurance coverage or if the coverage is insufficient, the patient and their family can discuss a plan to pay out-of-pocket costs.
Charity Care. McLeod Hospice will accept any hospice patient, regardless of their ability to pay.