Paying for hospice doesn't have to be a mystery. At Pallatus, our Colorado team helps families navigate their options so financial concerns don't get in the way of what truly matters: comfort, dignity, and spending time with loved ones.
Most employer-sponsored and individual insurance plans offer hospice coverage, often including services similar to those provided under Medicare. This generally means medical care, medications related to the terminal illness, home equipment, and emotional or spiritual support. While some plans may require you to stay in-network or get prior authorization, the core benefits remain focused on comfort and quality of life. At Pallatus, our Colorado team works directly with insurers to verify your benefits, handle authorizations, and prevent delays in care. If you're unsure about what your policy includes, we'll walk you through the details and answer your questions along the way.
For patients with limited income, Health First Colorado (Colorado's Medicaid program) offers essential hospice support. Eligibility typically requires a physician-certified terminal illness and enrollment in the Health First Colorado program. Once approved, patients can receive care that includes nursing visits, medications for symptom relief, personal care support, and short-term inpatient or respite stays. Because Health First Colorado is managed at the state level, benefits and eligibility rules can vary slightly. Some states also offer additional support services beyond what's covered by Medicare. Our Colorado social workers guide families through the application process, helping ensure timely access to care.
Patients who qualify for both Medicare and Health First Colorado benefit from layered coverage. Medicare usually pays for hospice services first, while Health First Colorado can cover costs like room and board in residential settings. This dual support often means families pay little to nothing out of pocket, though small copays can apply (up to $5 per outpatient prescription for symptom/pain drugs, and 5% of the Medicare-approved rate for inpatient respite care).
Even if your loved one isn't covered by insurance or Health First Colorado, Pallatus is here to help. We believe access to end-of-life care should never be limited by financial constraints. We'll explore available programs, offer assistance with applications, and connect you with community or charitable support whenever possible. Understanding your coverage shouldn't be a burden. With Pallatus, you'll never have to navigate it alone; we'll help you secure the care your loved one deserves, without added stress.
