Hospice Care and Medigap Coverage

The decision to use Hospice care for yourself or a family member is a tough one to make as there is a degree of admitting that things will never be the same.  Hospice is intended for those with conditions that have no cure or the elderly that have received word from their doctor that there may not be much time left.  In this situation your Medigap coverage could help you pay for the Hospice care that you need.

Your Medicare Part A coverage will pay for part of the cost of receiving Hospice care, though you would still be responsible for the coinsurance that is not covered.  If you have a Medigap policy it should help you pay for the portion of your care that is not covered by Medicare Part A.  This could be partial or full payment of the remaining amount depending on the plan you have.

Under Plan K, this coverage will be 50% and under Plan L it will be 75%.  For all other plans it will be 100%.  As you can see, having Medigap coverage pays off when you need Hospice care for yourself or a loved one.  Getting Medigap coverage may seem like a waste of money when you don’t need it, but it definitely pays off when needed.