Free senior care guidance for Nassau and Suffolk County families. No cost to you, ever.
Call (934) 200-2603
Long Island Senior Advisor

Hospice vs. Palliative Care

Palliative care can run alongside curative treatment at any stage. Hospice is for a life-limiting illness when curative treatment has stopped.

Home›Comparisons›Hospice vs. Palliative Care
Short answer

Hospice is comfort-focused care for a life-limiting illness, generally when a physician expects six months or less, delivered wherever the person lives. Palliative care focuses on symptom relief and quality of life and can run alongside treatment intended to cure, at any stage of an illness, not only at the end of life.

The distinction families miss

Palliative care is not a synonym for end-of-life care, and it does not require stopping curative treatment. Hospice, by contrast, generally requires a physician's certification of a life expectancy of six months or less if the disease runs its normal course.

What each covers

  • Medicare's hospice benefit covers the hospice team, medications related to the terminal diagnosis, and durable medical equipment. It does not cover room and board in a facility.
  • Palliative care is typically billed as a medical consultation service and can be delivered in a hospital, clinic, or at home, alongside ongoing treatment.
You can change course. A family can change hospice providers, and a patient can revoke hospice and return to curative treatment. Families are rarely told either of those things clearly.

Questions families ask

My mom is 68 with a low income - does New York's ACA Medicaid expansion cover her nursing home or home care costs?

No. New York's 2014 ACA Medicaid expansion covers a different population: adults ages 19-64 without dependent children, up to 138% of the federal poverty level, with no asset test. Long-term care Medicaid for seniors is a completely separate eligibility pathway - it is asset and resource-tested, applies to people 65 and older or those needing institutional-level care, and is what actually covers nursing home care, MLTC, the ALP, and NHTD waiver services.

How much money can my spouse keep if I go on Medicaid for nursing home care in New York in 2026?

For 2026, the community spouse may generally keep the greater of the state minimum Community Spouse Resource Allowance ($74,820) or half of the couple's countable resources, up to the federal maximum of $162,660. The community spouse is also entitled to a Minimum Monthly Maintenance Needs Allowance of $4,066.50 per month from the institutionalized spouse's income. These figures come from NYSDOH's GIS 26 MA/03 guidance, effective January 1, 2026.

How much spending money is a Medicaid nursing home resident allowed to keep each month in New York?

New York's Nursing Home Resident Personal Needs Allowance is $50 per month - the amount a Medicaid-funded nursing home resident is permitted to keep from their own income for personal expenses, with the rest going toward the cost of their care. According to the NY State Office for the Aging (NYSOFA), this figure has been unchanged since the 1980s, and NYSOFA notes that 33 other states currently pay a higher PNA, ranging from $52 to $200.

What is the MLTC special income standard for Long Island and why does it matter for Medicaid home care?

The special income standard for housing expenses, available to certain individuals enrolled in a Managed Long Term Care plan, varies by NYSDOH region - for the Long Island region specifically, it is $1,701.00. This regional figure is higher than most upstate regions (for comparison, the Central New York region's is $426 and the Western region's is $341), reflecting Long Island's higher housing costs, and remains in effect until updated federal poverty levels are published.

Not sure where to start?

Answer five questions and a local advisor will come back with senior care options in your area that actually fit your situation and budget. It is free, and there is no obligation.

Find care options
Find senior care — free