What to expect with hospice care | Memorial Planning

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What to expect with hospice care

When a loved one is facing a life-limiting illness, hospice care can provide the comfort, dignity, and support needed during this challenging time. Hospice focuses on quality of life rather than curative treatments, offering a holistic approach to care that includes medical, emotional, and spiritual support.

For the Patient

Hospice coverage

According to CaringInfo, Medicare, in some cases Medicaid, the Veterans’ Administration, and private insurance typically cover hospice care. Most patients do not pay out of pocket for the core services provided.

If you qualify under Medicare, you are entitled to:

  • Two 90-day benefit periods, followed by
  • An unlimited number of 60-day benefit periods

During each benefit period, the patient has the right to switch hospice providers once, giving families flexibility in their care decisions.

In-home vs. assisted-living facility

Hospice care can be provided at home, in a nursing home, assisted living facility, or a dedicated hospice center. The decision depends on the patient’s needs, safety, and personal preference. The patient should consult with their doctor to determine the best options for their care.

Each option has its benefits; as the most common option, in-home hospice allows patients to remain in familiar surroundings, while facility-based care may offer additional support for families or more intensive symptom management.

Families should be aware that in an in-home setting, family members/loved ones are expected to be the primary caretakers.

Treatment

Hospice focuses on comfort care, not curative treatments. Patients receive:

  • Pain and symptom management
  • Medical equipment and supplies
  • Emotional and spiritual counseling
  • Volunteer support

All treatments are aligned with the patient’s goals and values.

Routine vs. continuous home care

There are different levels of hospice care based on the patient’s needs:

  • Routine Home Care: The most common level, this includes visits from the hospice team (nurses, aides, chaplains, social workers).
  • Continuous Home Care: Provided during a crisis when symptoms are more challenging than usual and require more frequent nursing care.

All hospice care is available 24/7.

Social workers

Hospice social workers help patients and families navigate emotional, financial, and logistical challenges. They provide:

  • Emotional support
  • Help with advance directives
  • Assistance in accessing community resources
  • Family mediation and counseling, if needed

For Caregivers

Hospice coverage

Hospice services provided through Medicare and other insurance plans are covered at no cost to caregivers, including:

  • Medications related to the terminal illness
  • Medical equipment (e.g., hospital bed, wheelchair)
  • Supplies (e.g., wound care items, incontinence supplies)

This alleviates a significant financial burden for families, allowing them to focus on their loved one.

Support in palliative care

Hospice staff support caregivers through education on how to manage symptoms, guidance on what to expect as the illness progresses, 24/7 phone access to nurses for emergencies, and respite care options to give caregivers a break.

Respite care can include a short-term stay at an in-patient facility, giving the family member time to rest and recharge.

Bereavement Support

From anticipatory grief to loss, hospice care includes emotional and spiritual support. The Medicare hospice benefit offers bereavement services for up to one year after death, including:

  • Grief counseling
  • Support groups
  • Resources for children and teens

These services help caregivers and families navigate the complex emotions that follow a loss.

Hospice care offers compassionate, comprehensive support for both patients and their families during one of life’s most difficult transitions. By focusing on comfort, dignity, and quality of life, hospice helps individuals live as fully and comfortably as possible in their final days. With services tailored to the needs of each patient and family, hospice ensures that no one must face this journey alone.

Sources:
CaringInfo, How is Hospice Care Paid For?
Medicare.gov, Hospice care

Photo: Hospice Stock photos by Vecteezy

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