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Insurance FAQ

I have Medicare

  • Medicare covers 80% of costs for dialysis treatment and 80% of the cost of immunosuppressant medications needed after transplant.

  • Medicare Overview for Kidney Disease and Dialysis

  • Frequent Asked Questions about Medicare

  • Do I need a supplemental insurance to help cover what Medicare doesn't?

    • Ideally, yes. There are a few coverage options:

      • Medigap Plans – you must apply for these plans within 6 months after you first become eligible for Medicare. They are available to anyone over 65 years old. Some states also offer these plans for people under 65. To find out what Medigap plans are available in your state, contact your State Health Insurance Assistance Programs (SHIPs).

      • Medicaid – need to qualify based on income. Income requirements vary by state.


Thinking about Transplant?

  • Financial and Insurance Changes: What Dialysis Patients Should Know About Transplant


What other options do I have for Medicare plans?

  • Managed Care Plans – Some states are offering pilot programs enrolling people who are eligible for both Medicare and Medicaid.

  • Medicare Advantage – is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. People with ESRD are not eligible to apply for these plans, but some may already be enrolled in a Medicare Advantage plan before starting dialysis or needing a transplant.

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