Palliative Care and your Health Insurance
Palliative care can be a difficult subject to talk about. Many people are unsure of where they are going next when they begin to talk about palliative care. Some people do not want to talk about
it because they worry about their loved ones dying, while others are worried about it because of the potential cost and not being covered by insurance. Luckily, your health insurance has very little to do with palliative care.
Palliative care is better known as hospice. Many hospitals and other medical providers offer this service. Traditionally it is given to those who are near death. Some people may remain in hospice for as little as a few hours while many can be in the hospice care for weeks to even months! It all depends on how long the individual will carry on their life for. One of the things that many people love about palliative care is that the people who take this large job on are some of the most caring people in the world. They are honest, sincere and truly enjoy being able to help you with all of the difficult emotions that both you and your loved ones are feeling. Their goal is to make not only you, but the dying individual comfortable and ease the process as much as humanly possible.
With the current economy, one of the issues that has come up with palliative care is the cost of the service. While many hospitals are the ones who provide the care, you can often talk with them and your insurer about whether the cost is covered. Most people on Medicare or who have private insurance are covered for palliative care. However, if your relative does not have any of these health insurance benefits, you can often times get a reduced cost for the service. It is seen as a tradition, to give those who are dying the best possible care while assisting the living. Some companies will even be willing to provide the care regardless of whether or not you can pay for it.
It is best to check your policy, preferrably when you're getting your health insurance quotes, or the policies of your loved ones before they get into a situation where palliative care is needed. If you determine that they do not have coverage, you can always purchase a long term care insurance package that typically will include a payment portion of some type of palliative care in the future.
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