“Hospice” refers to the care provided to individuals with life-limiting illnesses. This care can be provided at home by qualified doctors, nurses, and therapists—or it can sometimes be provided at specialized hospice facilities. Though the term “hospice care” is often associated with seniors and long-term health care, hospice care isn’t usually long-term in nature, and people of any age may use it. Typically (though not always), hospice care is provided to those with life expectancies of 6 months or less. Hospice care is designed to be palliative (relieving pain and suffering) rather than therapeutic (curing an illness). Its goal is to help alleviate physical and mental suffering, and to provide the best available quality of life for terminally ill patients and their families.

The Hospice Team.  Hospice patients are typically cared for by a team that includes doctors, nurses, social workers, and clergy, as well as mental and physical therapists. Those providing hospice care are typically up to date on medications and therapies for pain and symptom relief, as well as emotional stress. They are trained to provide both the physical and the emotional therapy that those facing terminal illnesses require. They are prepared to provide mental and emotional support to help patients with life-limiting illnesses be as self-sufficient as circumstances permit.

Agreeing to Hospice Care. To join a hospice program, your primary-care physician needs to attest that you agree to hospice care, and you sign consent and insurance forms confirming your willingness to join a hospice program. You should receive information about how your decision affects Medicare, Medicaid, and general insurance coverage.

Insurance for Hospice Care. Most insurance companies cover hospice treatment. It is covered by Medicare nationwide, and by Medicaid in more than 45 states. Under Medicare Part A, for instance, all physician services—including nursing care, medical equipment costs, medical supplies and medication for pain relief and symptom control, as well as home health aide and homemaker services—are covered. Most private insurance providers also cover hospice treatment. Costs depend very much on what type of care you want, your insurance coverage, and how long you will need hospice care.

Deciding About Hospice. You should decide about hospice in consultation with your physician and other health care professionals as well as spouse, family, friends, and clergy.