Managing the Cost of Dialysis
Working with your insurance coordinator
Once you become a Fresenius Kidney Care patient, an insurance coordinator will contact you to discuss your insurance coverage. Your insurance coordinator can guide you on:
- Understanding dialysis costs
- Identifying steps to take when starting treatment
- Reviewing your insurance options
- Investigating additional health coverage options
- Understanding insurance options if you’re considering a transplant
Check in before you make insurance changesWhen comparing insurance options, you may be tempted to make a switch to new coverage. However, there are many aspects of insurance coverage to consider. Some commercial insurance benefits aren’t available on certain government-sponsored plans. So while a new option may have higher coverage on treatment, it may not cover medications—which would make your overall costs higher. Your insurance coordinator can help you weigh your options and see the big picture.
Considering a kidney transplant? Talk to your insurance coordinator before making any changes to your current insurance. You’ll want to understand what kind of coverage you’ll need over time.
Understanding different types of health insuranceHealthcare coverage options fall into 2 broad categories: private commercial coverage and government-sponsored coverage.
NEED HELP PAYING FOR MEDICATIONS?
Government-sponsored health coverage includes:
- Medicare—government health insurance for people who are 65 or older, or under 65 with certain disabilities. People under 65 who have end stage renal disease (ESRD) at stage 5 CKD are eligible for Medicare. Learn more about Medicare basics.
- Medicare Advantage—specific plans offered by private companies approved by Medicare, subject to qualification and availability
- Medigap—Medicare supplement insurance
- Medicaid—including Children’s Health Insurance Program (CHIP) and Medicare Savings Programs (MSPs)
- TRICARE, VA and CHAMPVA—benefits for military members and families
- Indian Health Service—the federal health program for American Indians and Alaska Natives
- State high-risk insurance pools
- State kidney programs
Hold onto your current insurance while you're making decisions
INSURANCE CHANGES? UPDATE YOUR TEAM
CONTACTED BY YOUR INSURANCE COMPANY? LET US KNOW
If you receive any communications with requests from your insurance company, let your insurance coordinator know immediately so he or she can help with time-sensitive decisions.