As an enhancement to this article on Hospice Care, please download Family Caregiver’s Guide to Hospice and Palliative Care
Although Medicare pays the majority of medical costs for someone who is terminally ill, Medicare does not pay anything towards the cost of assisted living or nursing home care. As well, Medicare will not pay for the costs of prescription drugs while at the same time, Medicare does not cover all types of health-related expenses. This is why it is important that you have as much of a grasp on the financial aspects of both programs as possible. However, you should not let these facts discourage you from continuing with your medical insurance plans.
There are different types of hospice care. The type of care that you receive depends on the type of hospice care that you choose. There are hospitals that provide complete hospice care, which means you do not have to leave your home to receive treatment for your illness; however, this is the most expensive option available for most people. However, there are also hospice programs in which you will be given a care package at the hospital, and then you will be discharged from the hospital and taken back home.
If you are considering a hospice care program, it is good to know that it is a service that can be offered to anyone, regardless of their age. In addition, anyone who suffers from a terminal illness and requires ongoing medical care can be treated at a hospice as well. With a little bit of research, you will soon discover that there are many different types of services that are offered through this type of medical care. As well, you may want to explore the different options that are available when it comes to hospice care.
One of the many types of hospice care is referred to as inpatient respite care. Basically, this is a nursing home environment in which the patient has both medical and spiritual support. This is usually an adult-focused environment in which the patient is cared for by registered nurses or licensed practical nurses. The hospice benefit may also include a wide range of therapeutic services such as exercise programs, massage therapy, art therapies, and other types of non-medical services. Generally, people who are terminally ill are not able to provide their own personal care but need an extensive level of assistance from people who are trained to provide that type of care.
Another form of hospice care is referred to as extended care facilities. These are homes and community settings where the terminally ill patient has an extended period of support beyond what would normally be expected in a hospital. These extended care facilities generally include nurses and/or therapists who work with the patients and their family to develop a personalized care plan. These services generally include but are not limited to medications, medicinal care, spiritual support, and respite care. Many people are amazed by the quality of care that is available in hospice programs and are often even more impressed when they realize that Medicare does not pay for any of these extended services.
There are other options for receiving help when your loved ones are in need of exceptional medical care. Medicaid and the State Children's Health Insurance Program (SCHIP) can play a major role in covering the costs of extended care. You should explore all of your options with a qualified healthcare provider to make sure that your family will be taken care of legally and responsibly. It is important to remember that although medical care is a priority, you do not want to leave anyone in the hands of others simply because you do not have the financial means to cover their needs. It is vital that as a responsible adult, you make decisions that are in the best interests of your minor children.
Steve Schafer is the founder of TheEulogyWriters and is probably the most prolific eulogy writer (and, no doubt, the best) anywhere. He lives in Michigan and has been writing eulogies for well over thirty years. The articles in this blog are designed to help people through the process of losing loved ones.