When a loved one needs home health or hospice care, one of the biggest concerns families face is how to pay for these services.
When a loved one needs home health or hospice care, one of the biggest concerns families face is how to pay for these services. Understanding coverage options can feel overwhelming, but there are resources available to help you navigate the process and ensure your loved one gets the care they need.
Understanding Coverage Options
Several programs and insurance plans can help cover the costs of home health and hospice care.
Here are the primary options:
1. Medicare: Medicare is one of the most common ways people receive coverage for home health and hospice care.
Home Health Coverage (Medicare Part A & B): Covers skilled nursing, therapy, and home health aide services if the patient is homebound and under a doctor’s care.
Hospice Coverage (Medicare Part A): Covers hospice services for those with a terminal illness and a life expectancy of six months or less. This includes nursing care, medical equipment, medications, and support services.
How to Apply: Visit Medicare.gov or speak with a Medicare counselor for assistance.
2. Medicaid: Medicaid is a state and federally funded program that offers coverage for low-income individuals. Benefits vary by state, but many provide home health and hospice services. Medicaid may cover long-term care needs that Medicare does not.
How to Apply: Visit Medicaid.gov or contact your state’s Medicaid office.
3. Private Insurance: Many private insurance plans offer home health and hospice benefits, though coverage details vary. Policies may require pre-authorization, copays, or only cover specific services.
How to Check Coverage: Contact your insurance provider to verify benefits and understand any out-of-pocket costs.
4. Veterans Benefits: The VA (Department of Veterans Affairs) provides home health and hospice coverage for eligible veterans through:
VA Home-Based Primary Care
VA Hospice & Palliative Care
Aid & Attendance Benefits
How to Apply: Contact the VA Health Benefits Hotline at 1-877-222-8387 or visit VA.gov.
5. Nonprofit & Community Assistance: Some organizations provide grants, financial assistance, or free hospice services for those who qualify. These may include:
Local hospice foundations
Religious or community health programs
Disease-specific organizations (e.g., Alzheimer’s Association, Cancer Society)
How to Find Help: Ask your home health or hospice provider about local resources or check with nonprofit organizations.
Getting Help Navigating Coverage: If you’re unsure where to start, you can get free guidance through:
State Health Insurance Assistance Programs (SHIPs) – Provides Medicare counseling. Find yours at www.shiphelp.org.
Elder Care Locators – Connects seniors with local services. Call 1-800-677-1116 or visit eldercare.acl.gov.
Social Workers & Care Coordinators – Many home health and hospice agencies have staff who can help navigate insurance and financial assistance options.
Final Thoughts
Finding coverage for home health or hospice care can feel complex, but help is available. Whether through Medicare, Medicaid, private insurance, or veteran benefits, there are options to ensure your loved one receives compassionate care without unnecessary financial stress.
If you or a loved one need assistance, Canyon Home Care & Hospice is here to help. Contact us to discuss coverage options and how we can support your family during this time.