Over two-thirds of the ESRD patients who turn to AKF for financial assistance are on Medicare. They turn to us to help pay their insurance premiums for Medicare Part B, Medicare Advantage and Medigap supplemental insurance. It’s vital for patients living with ESRD to have a comprehensive health insurance plan to cover ongoing dialysis treatments and all of the other health care that goes along with it: specialists to treat accompanying medical conditions like diabetes and heart disease; prescription medications to treat the many complications of kidney failure; and, for about 20,000 ESRD patients a year, transplant.
Some ESRD patients elect to stay with their employer group health plans or COBRA, as permitted by federal law, to provide comprehensive benefits. Though most ESRD patients qualify for Medicare regardless of their age, in 20 states ESRD patients under age 65 are not guaranteed access to Medigap plans to cover the 20 percent that Medicare does not cover (with no out-of-pocket maximum). For them, employer-provided plans or commercial plans are often better suited to their circumstances—especially if their private insurance also covers their families.
We help patients with all types of insurance plans. We believe that patients should have whichever type of insurance best meets their needs—even if they need charitable assistance to help pay for it.