Parts of Medicare and Hospice Coverage
Medicare is broken down into different parts: A, B, C, D, and Medigap. To qualify for the hospice-care benefit from Medicare, you need Medicare Part A, which covers hospital insurance and all other conditions. Medicare typically pays your hospice provider for your hospice care and there’s no deductible, but you’ll pay the remaining cost of monthly Medicare Part A or Medicare Part B premiums.
Medicare Part A covers most medically necessary hospital, skilled nursing facility, home health, hospice, and respite care. Under Medicare Part A, you’ll need to meet specific conditions certified by a hospice doctor and regular doctor.
- Your hospice doctor and regular doctor must certify that you are terminally ill and expected to live six months or fewer.
- You agree to accept palliative or comfort care instead of curing your illness.
- You sign a statement accepting hospice care instead of other Medicare treatments for terminal illness.
Medicare Part B provides outpatient and medical coverage, which includes certain doctors’ services, outpatient care, medical supplies, x-rays, mental health care and some home health, and other preventative services.
Medicare Part C, also called Medicare Advantage, offers the same coverage of Original Medicare with, in many cases, additional benefits related to hearing, vision, and dental health. These plans are offered by private insurers.
To learn more, read our guide to our favorite Medicare Advantage providers.
Medicare Part D covers outpatient prescription-drug insurance and is provided only through private insurance companies with government contracts. This coverage will also help you pay for prescriptions not related to your terminal illness.
Medigap, also known as Medicare Supplement Insurance, fills certain gaps in Original Medicare. Hospice care is, for the most part, covered by Part A and Original Medicare, but Medigap fills in for additional health costs such as copayments, deductibles, and coinsurance. To learn more, read my article: What Is Medigap?