Palliative care costs are normally covered either by Medicare or private health insurance. However, this may not always be the case. It is important to find out as soon as possible who pays for what, and what additional financial costs may need to be met. Who pays can depends on whether care is being provided at home or in the hospital. There may be costs attached to services that are accessed in the community. There may be limits to length of stay in hospitals or hospices depending on the health insurance policy and the hospital.
Some private health funds include cover for home nursing (as part of the hospital cover). This means that a person can elect to be treated by a nursing service as a private patient.
Domiciliary Care and Home Care groups can sometimes provide equipment and care support in the home. Fees may apply. If equipment is not available, these agencies can recommend private hire agencies at reasonable rates.
If an ambulance needs to be called, it will cost money in some states, but not in others. Don’t be afraid to ask about the cost of these services. It is better to know in advance than receive an unexpected bill. Ambulance cover is available in some states and may be an option. More information is available in the CareSearch financial resources page.
Carer Payment is provided to a person engaged in full time care and unable to work or seek employment. Carer Allowance is provided when a person is providing full time care to a person with a severe medical condition. The carer allowance is not means tested. Eligibility for both payments needs an assessment by a doctor or a nurse. Social workers are skilled in providing assistance with this matter. More information on the Government payments is available from Centrelink.
Resources
Related CareSearch pages
Financial help and advice
Financial resources
Superannuation and insurances
This page was created on 26 May 2009 and is due for review in May 2011