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Find a Dialysis Center

Find a Dialysis Center

Find a Dialysis Center
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    Need help? Call 1-888-373-1470

    1. About Kidney Disease
      1. OVERVIEW
      2. Understanding Chronic Kidney Disease
      3. Kidney Disease Stages
      4. What Is a Nephrologist?
      5. What to Expect with CKD
      6. Kidney Disease Management
      7. Understanding Acute Kidney Injury
      8. How Kidneys Work
      9. Take a FREE CLASS on Kidney Disease
    2. Treatments
      1. OVERVIEW
      2. Dialysis Basics
      3. Benefits of Home Dialysis
      4. Home Peritoneal Dialysis
      5. Home Hemodialysis
      6. Sign up to Talk to a Home Dialysis Expert
      7. In-Center Hemodialysis
      8. Transplant
      9. Insurance & Managing Costs
      10. Choosing Not to Treat
    3. Life On Dialysis
      1. OVERVIEW
      2. Your Emotional Health While on Dialysis
      3. Staying Engaged
      4. Staying Healthy
      5. Dialysis Travel Services and Information
      6. Tips for Loved Ones
      7. PatientHub
    4. Recipes & Nutrition
      1. OVERVIEW
      2. Recipes
      3. Managing Your Diet
      4. Fluid Management on Dialysis
      5. Dialysis Diet Planning
      6. Cookbooks
    5. Thrive Central
      1. CKD
      2. Dialysis
      3. Diet & Nutrition
      4. Stories
      5. Wellness
      6. See All
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    Find a Dialysis Center

    Find a Dialysis Center

    Find a Dialysis Center
    Permission to detect location was denied Current location could not be determined
      Try a detailed search

      Need help? Call 1-888-373-1470

      1. About Us
      2. Contact Us
      3. FAQ
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      Need help? Call
      1-888-373-1470

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      1. About Kidney Disease
        1. Understanding Chronic Kidney Disease
          1. Symptoms
          2. Risk Factors
          3. Causes
          4. Diagnosis and Testing
          5. GFR Calculator
        2. Kidney Disease Stages
          1. Stage 1
          2. Stage 2
          3. Stage 3
          4. Stage 4
          5. Stage 5
        3. What Is a Nephrologist?
        4. What to Expect with CKD
        5. Kidney Disease Management
          1. Kidney Diet Basics
          2. CKD Medications
          3. Your Kidney Care Team
          4. Diabetes
          5. High Blood Pressure
        6. Understanding Acute Kidney Injury
          1. Acute Kidney Injury Treatment and Recovery
        7. How Kidneys Work
        8. Take a FREE CLASS on Kidney Disease
      2. Treatments
        1. Dialysis Basics
          1. How Does a Hemodialysis Machine Work
          2. Starting Dialysis
          3. Types of Dialysis Access
          4. Your Care Plan
          5. Dialysis Medications
          6. Monitoring Your Lab Results
        2. Benefits of Home Dialysis
        3. Home Peritoneal Dialysis
          1. What to Expect
          2. Getting Prepared
          3. PD Access
          4. PD Training
          5. PD Monitoring
          6. Your Care Team
        4. Home Hemodialysis
          1. What to Expect
          2. Getting Prepared
          3. HD Training
          4. HD Monitoring
          5. Your Care Team
        5. Sign up to Talk to a Home Dialysis Expert
        6. In-Center Hemodialysis
          1. In-Center Treatment Options
          2. What to Expect
          3. Types of Vascular Access for Hemodialysis
          4. Your Care Team
          5. How to Choose a Center
        7. Transplant
          1. Finding a Kidney Donor
          2. Considering Kidney Donation
        8. Insurance & Managing Costs
          1. Understanding Medicare Coverage
          2. Understanding Medicare Advantage
          3. Understanding Employer Plans
        9. Choosing Not to Treat
      3. Life On Dialysis
        1. Your Emotional Health While on Dialysis
          1. Managing Your Emotions
          2. Talking About Dialysis
          3. Intimacy
          4. Body Image and Dialysis
          5. Building Your Dialysis Support Network
        2. Staying Engaged
          1. Tips for Working While on Dialysis
          2. In-Center Activities
          3. Hobbies
        3. Staying Healthy
          1. Managing Your Time on Dialysis
          2. Dialysis & Exercise
          3. Weight Management
          4. Avoiding Infection
          5. Managing Multiple Conditions
          6. Fighting the Flu
        4. Dialysis Travel Services and Information
        5. Tips for Loved Ones
          1. In-Center Hemodialysis
          2. At-Home Hemodialysis
          3. At-Home Peritoneal Dialysis
        6. PatientHub
      4. Recipes & Nutrition
        1. Recipes
        2. Managing Your Diet
          1. Eating Well on a CKD Diet
          2. Eating Well on a Dialysis Diet
          3. Salt and Kidney Disease
          4. Potassium and Kidney Disease
          5. Phosphorus and Kidney Disease
          6. Talking With Your Dietitian
        3. Fluid Management on Dialysis
        4. Dialysis Diet Planning
          1. Kidney-Friendly Shopping
          2. Eating Out
          3. Holiday Diet Tips
          4. A Chef’s Advice | Chef Aaron McCargo on Kidney Friendly Meals
        5. Cookbooks
      5. Thrive Central
        1. CKD
        2. Dialysis
        3. Diet & Nutrition
        4. Stories
        5. Wellness
        6. See All
      Insurance & Managing Costs
      Insurance & Managing Costs
      OVERVIEW Understanding Medicare Coverage Understanding Medicare Advantage Understanding Employer Plans

      Employer Sponsored Health Insurance and Dialysis

      Share:
      work_desk_icon

      Some employers offer health insurance to employees through private insurance companies. These commercial health plans generally offer basic hospital and medical coverage, in addition to benefits such as:

      • Prescription drug coverage
      • Dental, vision, and hearing coverage
      • Wellness programs
      magnify_circle_icon

      What do I need to know about my employer sponsored health plan coverage?

      It’s important to understand the benefits and costs of your employer coverage so you’ll know what to expect with dialysis or transplant treatment. Benefits vary among different employer plans, along with premiums and out-of-pocket costs. You may also have a deductible that needs to be met before your plan’s coverage starts. Your employer, human resources manager, or benefits manager will be able to give you details on your plan’s benefits and costs.

      dollar_circle_icon

      What is the cost of dialysis with employer sponsored health insurance plans?

      Different plans cover different services at different costs. The best way for you to understand your dialysis costs is to talk to your health insurance provider. Because costs can vary over time, you may have to wait until you're billed for exact costs. Some factors that you may want to consider costs for include:

      • In-center or home dialysis treatments
      • Doctor and care team appointments
      • Labs and bloodwork
      • Dialysis medications
      • Home dialysis supplies
      • Transportation to and from appointments

      Staying on your employer sponsored health insurance

      If you are currently on an employer health plan and considering your coverage options, your employer health plan may be your best coverage option. Employer sponsored health insurance offers continual coverage, without interruptions, when you start or change treatment for end stage renal disease (ESRD). Plus, you may have access to more benefits than other options would offer. Your employer plan also has a cap on maximum out of pocket costs—and it may be lower than other coverage. This means you could pay less overall for better coverage.


      Learn about insurance and dialysis costs.

      YOUR INSURANCE COORDINATOR IS HERE TO HELP

      When you’re starting treatment at Fresenius Kidney Care, your insurance coordinator will help you understand your coverage options.

      READ MORE
      Learn about your dialysis treatment costs.

      UNDERSTAND­ING DIALYSIS TREATMENT COSTS

      Find out more about coverage for dialysis and key insurance terms.
      Learn More

      Continue your employer group health plan coverage with COBRA

      If you lose insurance coverage under an employer group health plan, you may be able to keep your employer plan coverage for up to 18 months (and even 36 months in some cases) under the federal law known as COBRA. Maintaining your employer plan coverage through COBRA may provide better coverage options for your dialysis services until you get new coverage. 
       

      Talk to your insurance coordinator if you lose your employer health coverage. You have 60 days to elect to receive COBRA coverage. NOTE: If you obtain other insurance coverage while on COBRA, your COBRA coverage may terminate.


      How can I get health insurance if my employer doesn’t offer it?

      If your employer doesn’t offer health insurance, you may have other options for health coverage when you start dialysis. Talk to your insurance coordinator for help understanding your options for private insurance or government-sponsored insurance such as Medicare.

      mail_icon

      CONTACTED BY YOUR INSURANCE COMPANY? LET US KNOW

      If you get a letter, email, or phone call with requests for information from your insurance company, contact your Insurance Coordinator immediately. He or she will be able to help with 
      time-sensitive decisions.
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