All of the costs related to the terminal diagnosis are typically covered in full by Medicare, Medicaid or commercial insurance.
Understanding Costs and Insurance
Patients can be confident that payment and insurance issues will not create additional stress for them when they enter the Hospice of Northwest Ohio program. We do everything possible to eliminate paperwork and confusion so that patients and families can focus on other, more important end-of-life issues. Though everything will be fully explained at the time of admission, these basic questions are usually asked by patients before entering our program:
Is hospice care covered by insurance?
Yes. Medicare, Medicaid and most other health insurance plans cover all or part of the costs of hospice care. Our staff will work with insurers to see that patients obtain any and all benefits available to them for their terminal illness.
What care and services are usually covered?
Everything required to care for a patient's terminal illness, including the following, as needed:
- Medical and nursing care
- Pain and symptom management
- Drugs and other medications
- Hospice Aide services
- Physical, occupational and speech therapy
- Massage therapy
- Art expression and music therapy
- Medical supplies and equipment
- Social services
- Spiritual support
- Volunteer support
- Bereavement services
What are the charges for staying at one of the Hospice Centers?
There are two levels of care at the Hospice Centers - acute care and residential care. For those who have acute care needs that require constant medical management, charges will usually be covered in full under hospice insurance benefits. For those who are stable - and are receiving residential care - an out-of-pocket room and board charge is required. Currently, the cost for one day of residential care at either Hospice Center is $210. Patients' conditions may vary from day to day; their care will be classified as either acute or residential on a daily basis.
Is financial assistance available to those who may need it?
Hospice of Northwest Ohio is a United Way agency. Because of generous contributions from the community, no patient is ever turned away because of an inability to pay. For those who have no insurance or limited financial resources, fees are based on patients' incomes and ability to pay.
How are hospice services covered for nursing home patients?
When nursing home residents choose Hospice of Northwest Ohio to provide their care, we will oversee all of their medical care and provide all of the services and equipment needed to manage their terminal illnesses. While Medicare and most insurance plans will cover this, the patient will still have to pay the nursing home's daily room and board fee. (For those on Medicaid, the room and board charge will be covered by Medicaid.)
Please understand: Medicare will not pay for hospice care and "skilled nursing home care" at the same time. When patients are eligible for skilled nursing care benefits - but are considering switching to hospice care - Hospice of Northwest Ohio will provide information that will help them evaluate what choice is best for them.
How is hospice care covered on a Medicare HMO plan?
Medicare HMOs do not provide hospice coverage. However, patients can easily turn to basic Medicare for hospice coverage, while still retaining their HMO to cover services unrelated to their terminal illness. For example, if a hospice patient receiving care for terminal cancer falls and breaks a leg, coverage for treating the leg would still be provided by the HMO plan.
How can I receive more information about the costs and coverages for hospice care?
All patients automatically receive assistance from Hospice of Northwest Ohio counselors who address the specific financial and insurance needs of each patient. For inquiries prior to admission, contact our Admission Team at 419-661-4001.