Hospice Care...

by Golden Girl 19 Replies latest watchtower medical

  • Golden Girl
    Golden Girl

    Well I called the insurance company today to see if we are covered for hospice on hubby. They said NO!..I almost fainted. I talked with them a while and asked what would be covered. They said "In Home Nursing care". Well duh! I guess there is some difference.

    So I called the Dr. They in turn called the insurance co. Still said NO!.I was fit to be tied. I was told all insurance companies carry hospice care.(Hubby has terminal cancer).

    Well I am not one to give up!..I used to have to deal with dummies when I worked in the bank. Soooooo

    I called Hospice! It is affiliated with the hospital. I wish I had called them first!. They said you have to word it the right way.."In home nursing" hospice before they will cover it!!!!

    She called the insurance people and it is covered!..She still has to call the main office Monday..hopefully it is OK.

    She is also looking into how long he will be covered and if it has any deductable to be met first...I am so relieved.

    What really hurts is all those that would just take the first answer as gospel!

    They wouldn't get the benefits they deserve!.It really hurts me to feel some who really need it are going to be take adantage of!

    So hopefully Monday willl verify the good news I got today!

    They are also getting some pain medication ready for when he needs it!.Also a hospital bed. He will be staying at home. No more hospitals.

    It's a shame the system has to make things so difficult when someone is going through so much stress!

    So never take no for an answer the first or second time..hang in there! I'm glad I did!

    Snoozy........

    Edited by - Golden Girl on 13 December 2002 22:11:57

  • IslandWoman
    IslandWoman

    Hi Snoozy,

    I am glad to hear you worked your way through all the bureaucracy we are many times forced to deal with at the most difficult time of all in our lives.

    I have had two relatives which were cared for in home by hospice. My experience was a positive one, they were very understanding and helpful not only to the one who needed the care but also to the family.

    Accept whatever help they offer, would be my advice, and save your energies for the more important thing which is spending time with your loved ones.

    Take care,

    IW

  • deddaisy
    deddaisy
    What really hurts is all those that would just take the first answer as gospel!

    That is really disheartening that the insurance service reps aren't better informed. Like you said, alot of people will take the first answer as gospel and if they're in a financial bind, which the majority of people are by the time they need Hospice, they just go without, or try and pay out of pocket ! Very sad. I also had Hospice (in home) for my mom when the cancer took over. Even though it was only three times a week, the nurses were absolutely awesome! They were such a help, both physically and mentally. My mom got so attached to her nurse's aid, and they also gave me enormous emotional support at a time that I thought I could just go no further ! I don't know if they're all that wonderful, but I have the feeling they are. I have the utmost respect for those who give so much to those that are dealing with the hardest part of their lives. You hang in their Snoozy !

    lots of hugs,

    christina

  • meadow77
    meadow77

    GG, God bless you, that while going through such a difficult time, you are reaching out to others, to help them. Insurance companies are notoriously difficult, and moral free. I am so happy that you were able to "beat them at their own game" Who knows the countless number of people that they pull that on, that do give up, and don't end up getting the treatment that they desperatly need.

    Thank you again for being so generous with this information, and I will be keeping you and your family in my prayers.

  • ugg
    ugg

    golden girl......hugs and more hugs and more hugs being sent your way....such a tough and stressful time for you both...just wanted you to know that i am thinking about you...

  • waiting
    waiting

    Hey Snoozy,

    If people hate, but need, lawyers with a passion..........people are even more passionate about hating, but needing, insurance.

    I hate insurance companies - but I have insurance.

    My mother was under CA hospice 'bout 15 yrs ago. It wasn't that good - but it helped. Please be sure to check with your Dr.'s office & Hospice to see what all is available to you & your husband. Specifically.

    Make sure you know exactly what the nurse or aid is doing when they visit, or what they leave behind. Won't go into details - just make sure, ok?

    Take care & best wishes. Thanks for the info. Hate dealing with insurance companies.

    waiting

  • Solace
    Solace

    I work for a non profit agency called Community Action. (CAA) Its Government funded so the clients arent charged. Sometimes they donate but it isnt required. I do most of the scheduling and some social work like assessing of the clients etc. Im not out in the field with the homebound clients very much, but I do know we help alot of people in your situation.

    Depending on where you live, you may be able to receive free services. If you arent sure, you can call your local Social Service Agency and mention us. We are not affiliated with them but they may know if we exist in your area. We offer Personal care such a bathing etc, Homemaker Aid services such as cleaning and chore service, Respite care, which is kind of like a daycare situation which allows the primary caregiver to step out for a few hours while someone from our agency stays with the client.

    I hope things work out for you. This can be such a trying situation for everyone in the family.

  • Shakita
    Shakita

    Golden Girl:

    One year ago yesterday, December 13, my father came to my home on hospice care. He was dying from invasive lung cancer. The hospital personnel met with my brother and myself in the hospital to set things up with the insurance, ambulance, explained all the details of in-home care....they were just great. The only thing they didn't really explain to me was how mentally and physically exhausting it would be. Hospice care is great, but the bulk of the work will be done by the family. I had to dispense the morphine, and other drugs that were needed. My father also had an operation(don't even get me going on this unneeded operation on a dying person all the more $$$ for docs and hospital) which dressings needed to be changed, clothes, etc. Please get some help, you will need it. My father was in my home on hospice care for only 3 days. He died on December 16th of last year. I am very glad that he was home with the family that loved him in his last hours.

    Take care of yourself and I wish you both the best in this very sad time,

    Mrs. Shakita

  • Xandria
    Xandria

    Snoozy,

    I am sorry you had a terrible time with the Insurance Companies. Unfortunately, those companies are not in the business of being compassionate. It is the bottom dollar with many.

    As I said before, and will say again. Hospice was the most compassionate group of people we have ever encountered. Not only did they help with providing pain meds, nurses, CNA's to help with the daily stuff and to help you keep your loved one comfortable as she or he can be.

    On top of helping you and preparing you as the illness continues it's path to either healing or the bittersweet sleep of death.. it is a comfort they give to those who are dealing with the real reality of being ill and the loved ones who are facing the horrible fact of actually losing someone to an illness.

    When it became evident that this was going to be the outcome of my Grandmother's and even my mother-in-law's illnesses. They helped us prepare and know what to expect in a gentle manner.

    Hospice is basically a donation based organization. They do have a program in place for those who do not have insurance to cover the need of Home Nursing. The only things we had to deal with.. were medication ( covered by our insurance and we paid a small deductable). The Hospice of Charlotte, handled the needs of a hospital bed, wheel chairs, lifts etc.

    When our loved ones did pass we requested in leu of flowers that a donation be made ( they had a choice) to Hospice so they can continue to help others and to Cancer Research ( in hope's that a cure can be found for cancer.. and no one go through what we have ever ! An that the donation be made in the name of our loved one.)

    Flowers die... and this could be something that would help someone live on or help them deal with the hardships of watching someone you love go through all this, as well as the person themselves having to face the unknown frontier .. called death.

    Besides that, we knew my mother-in-law would of liked the thought of her legacy living on. By helping others. She worked as a Health Care Educator and has a award named in her memory. Before that she worked in the early days of Radio and Television. Here in Charlotte with WBTV.

    In our thinking everyone's loved one deserves the best in care and help. I hope the above site helps you understand Hospice a bit more. As for your insurance company.. don't let them give you any bull caca.. if you don't get the help you need go up the ladder. Some people don't know the meaning of compassion. Snoozy, it is a sad commentary on how some people and businesses have become in thier quest for the almighty dollar.

    I how are you holding up ?

    Take care of yourself and take it one day at a time.

    Best Regards,

    Xandria

    Shakita,

    Sorry to hear about the passing of your father. It is painful even though it is a year ago. It has been five years since the passing of my mother-in-law on Dec. 21st, 1998 and she was buried on Dec. 26th.. as her wishes were. This time of year and then the loss of someone it is hard to deal with because it is the time of year that you have family. It reminds you sometimes very harshly that your loved one is not going to be with you. I have come to realize even though they may not be here physically.. they are here in spirit. I have bittersweet memories.. and it helps to go down to the cemetery an just visit for a while.

    Even though the care of the loved one was very tiring, mentally and emotionally as well as physically. It would of been worse with out Hospice, I agree with you there. So from one survivor to another..(( Hugs)) and have a nice Christmas ( even if it is a bittersweet one) and may you have a Bountiful New Year.

    Xandria

    Edited by - Xandria on 14 December 2002 11:55:52

  • Mulan
    Mulan

    I agree you will need help at home, even if it's just so you can go out for a day or an evening. When my cousin was in hospice care, one of their sons moved home to help the Dad. They were both exhausted. My husband and I would take over for them occasionally. I went every Thursday night, and several times a week, during the day, just to spend time with her, but the husband and son were worn out.

    They told us in July, when hospice started, that hospice was usually set up for six months, but if you need it longer, you can often get it. She died in September.

    My thoughts are with you. It's a hard road, but much nicer for the patient than dying in a hospital. You get to know the main nurse very well, and she is there for you 24/7. (by telephone) It is wonderful.

    Edited by - mulan on 14 December 2002 12:18:17

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