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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.

HomeComparisonsHospice 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

What is Alternative Care and how is it different from the Elderly Waiver?

Alternative Care (AC) is a Minnesota state-funded program — no federal Medicaid match — for seniors who need Elderly-Waiver-equivalent services but aren't yet financially eligible for Medical Assistance. It uses largely the same service array and cost cap as EW and is designed to delay or prevent a Medicaid spend-down or nursing home placement, while EW itself requires the person to already be MA-eligible.

How do I apply for Medical Assistance long-term care or a waiver in the Twin Cities?

Start by contacting your county human services agency (Hennepin, Ramsey, Dakota, Anoka, or Washington County) or calling the Senior LinkAge Line at 1-800-333-2433 to request a MnCHOICES long-term-care needs assessment, which determines functional eligibility, alongside a separate financial application for Medical Assistance.

Does Medicaid pay for the full cost of assisted living in Minnesota?

No. Medical Assistance, through the Elderly Waiver, pays only for the care-services portion delivered inside a licensed assisted living facility, never the room-and-board charge. Minnesota does not have a broad state subsidy that covers private-pay room and board, though very-low-income residents in certain licensed settings may qualify for a separate, narrower Housing Support benefit to help offset it.

What are Minnesota's income and asset limits for nursing home Medical Assistance in 2026?

Minnesota is a '209(b) medically needy' state with no fixed income cap — income above the Medically Needy Income Limit (commonly cited around $1,305/month for an individual in 2026) must be spent down on medical or care costs each budget period. Countable assets are generally limited to around $3,000 for a single applicant and $6,000 for a couple both applying, though these specific dollar figures are third-party sourced and should be reconfirmed against DHS's Eligibility Policy Manual before relying on them for a specific case.

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