Hospice Coverage Options

Have Questions About Hospice Benefits?

Understanding hospice coverage can feel overwhelming, especially during an already emotional time. While end-of-life care is essential, many families have questions about what’s included and how it's covered.

This hospice insurance resource page provides helpful information on what hospice care includes, who qualifies, and how to determine if you or a loved one is eligible for benefits through Medicare, private insurance, or other sources.

If you have additional questions, please don’t hesitate to contact us at Elation Hospice & Palliative Care —we’re here to support you every step of the way.

Are Hospice Services Covered by Medicare?

Yes, Original Medicare covers hospice care under specific conditions. To qualify for the Medicare Hospice Benefit, the following criteria must be met:

The patient receives care from a Medicare-certified hospice provider
The patient’s attending physician (if applicable) and the hospice medical director certify that the patient is terminally ill with a life expectancy of six months or less
The patient signs a hospice election statement, choosing to receive hospice care and waiving Medicare coverage for curative treatments related to the terminal illness

Medicare covers all hospice-related services, including nursing care, medications, medical equipment, and support services. However, it does not cover room and board in assisted living or nursing home facilities unless the patient is receiving hospice care under specific inpatient circumstances.

While using the Medicare Hospice Benefit, all care and services related to the terminal illness and associated conditions are fully covered. If you’re considering treatments or services beyond what hospice typically provides—such as additional therapies, specialist visits, or elective procedures—it’s important to discuss these with your hospice provider before scheduling.

If you have a Medicare Advantage (Part C) plan, your hospice services will still be covered by Original Medicare, but coverage for other non-hospice services may vary depending on your plan. Always consult your hospice provider or insurance representative to fully understand your benefits.

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Can I Use Medicaid to Pay for Hospice Services?

Yes, Medicaid typically covers hospice care for eligible individuals. If you meet your state’s income and asset requirements, Medicaid may also help cover additional costs such as room and board in a facility, depending on the care setting and state guidelines.

Medicaid hospice coverage closely mirrors the Medicare Hospice Benefit, including all four levels of hospice care:

Routine Home Care
Respite Care
General Inpatient Care
Continuous Home Care

It also covers necessary medical supplies, equipment, and medications related to the terminal diagnosis.

For specific eligibility and coverage details, it’s best to consult your hospice provider or state Medicaid office, as benefits and requirements can vary by state.

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Is Hospice Covered by Insurance?

Hospice care is often covered by insurance, but coverage can vary based on your specific plan and eligibility for additional financial assistance. Many groups and private insurance plans include hospice benefits, but it’s important to check directly with your provider to understand what is—and isn’t—covered.

Typically, insurance plans will cover services such as:

Hospice care visits
Medications related to the terminal illness
Medical supplies and equipment

However, room and board in an inpatient facility may not be included and could be an out-of-pocket expense, depending on your coverage.

To avoid unexpected costs, it’s essential to review your insurance policy carefully and speak with your provider or hospice care team. Understanding your benefits in advance will help you make informed decisions and plan financially for the care your loved one needs.

The Cost of Hospice Care Without Insurance

If you don’t have insurance coverage, you may be concerned about how to afford hospice care. The good news is that hospice providers, including Elation Hospice & Palliative Care, are here to help you explore your options.

We encourage you to speak with our team to understand the specific services that would be provided and discuss available financial solutions. At Elation Hospice, we’re committed to supporting families during this time and can work with you to arrange flexible payment plans or explore potential sources of assistance to ensure your loved one receives the care they need—regardless of financial circumstances.

Does Private Insurance Cover Hospice Care?

Many private insurance plans do offer a hospice benefit, though coverage details may vary by provider and policy. If you qualify, covered services may include:

Comfort-focused care
Routine home visits
Durable medical equipment
Medical supplies and prescription medications
Inpatient hospice care, when medically necessary
Inpatient respite care to support family caregivers

Some private insurance policies may require that you meet an inpatient hospital deductible before coverage begins. Additionally, plans may restrict coverage to in-network providers, so it’s important to confirm whether your chosen hospice provider accepts your insurance.

When considering hospice care, ask both your insurance company and the hospice provider about accepted plans and covered services to ensure a smooth and informed transition into care.