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    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

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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
      1. Home
      2. Treatments
      3. Insurance & Managing Costs
      4. Understanding Medicare Coverage

      Dialysis Medicare Coverage for People with ESRD

      Share:
      Original Medicare is government-sponsored health insurance that provides health coverage to qualified U.S. citizens and legal residents. Medicare comes in several parts that cover different services, Medicare Parts A, B, and D, along with a comprehensive plan option called Medicare Advantage, or Medicare Part C.
       

      You are eligible for Medicare at age 65—or earlier if you have certain health conditions. People who are diagnosed with end stage renal disease (ESRD) at any age are usually eligible for Medicare after 3 months of dialysis or after completing home dialysis training. Talk to your Insurance Coordinator to find out more.


      Understanding Medicare: Parts A, B, C, & D

      partA_icon

      MEDICARE PART A

      Offered by: Government
      Type of coverage: Hospital coverage
      What it covers: Inpatient hospital care, hospice care, and some nursing home and home healthcare
      Usually chosen: Together with Medicare Part B
      Premium: No
      Coverage: 80%
      Annual Deductible: Yes
      partB_icon

      MEDICARE PART B

      Offered by: Government
      Type of coverage: Medical coverage
      What it covers: All outpatient care, including dialysis services and doctor visits

      Usually chosen: Together with Medicare Part A
      Premium: Yes
      Coverage: 80% 
      Annual Deductible: Yes

      partC_icon

      MEDICARE PART C

      Offered by: Private companies, contracted through Medicare
      What it covers: Hospital and medical coverage, plus many plans offer coverage for prescription drugs and other benefits not typically covered by Medicare such as dental, vision, and hearing.

      Replaces: Separate traditional Medicare Parts A, B, and D, plus Medigap plans.
      Premium: Yes—$0 or may be lower than Part B
      Coverage: Co-pays and co-insurance, with a cap on annual out-of-pocket costs
      Annual Deductible: None for many plans, but there may be a deductible for prescription drug coverage.

      partD_icon

      MEDICARE PART D

      Offered by: Private companies, contracted through Medicare 
      What it covers: The cost of prescription medications that aren't covered by Part B which may cover dialysis or transplant medications

      Usually chosen: Chosen with Parts A and/or B. Cannot be combined with Part C or a Medigap plan that includes drug coverage. 
      Premium: Yes—varies by income 
      Coverage: Co-pays that vary, based on the drug tier and your total spend on drugs annually. 
      Annual Deductible: Usually, though some Part D plans don't have a deductible


      talkbubbles_icon

      Before you make any health insurance changes, talk to your Insurance Coordinator

      It’s helpful to make sure you understand all of the benefits and costs for each insurance option before you make any changes. Sometimes, a plan with a higher premium might save you more money overall—or a plan with a lower deductible can wind up costing you more.


      Have insurance through your employer?

      Your current plan might be the best coverage for you. If you decide to switch to Medicare, you can keep your employer group coverage and Medicare together for 30 months. After that, Medicare becomes your primary insurance, and you can keep your employer plan as secondary insurance. Talk you your Insurance Coordinator about the best option for you.
      questions_image_RHR

      QUESTIONS ABOUT YOUR INSURANCE?

      Talk to one of our Insurance Coordinators. We can help you understand your current coverage - and your insurance options.
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      Learn about your dialysis treatment costs.

      UNDERSTAND­ING DIALYSIS TREATMENT COSTS

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