Health insurers systematically discriminate against low-income people living with ESRD who rely on charitable assistance to afford their health insurance premiums and access the health care they need to stay alive. Over the years, many insurance carriers have refused charitable premium assistance payments from AKF on behalf of people living with ESRD. These people living with ESRD, who are disproportionately members of racial and ethnic minorities, depend on AKF's federally-approved, 100% needs-based Health Insurance Premium Program (HIPP) to afford the premiums for their Medicare Part B, Medigap, Medicare Advantage, employer group health, COBRA and other commercial plans, including Qualified Health Plans (QHPs).
To protect access to health coverage and protect low-income people living with ESRD from insurance discrimination, AKF supports:
- Federal and state regulation that would ensure insurance carriers accept charitable payments on behalf of people living with ESRD.
- Federal and state legislation that would protect patient access to coverage by requiring insurance companies to accept payments from nonprofit charitable organizations like AKF.
Take action on current issues
Keeping policymakers informed is critical in the fight against kidney disease. Add your voice to thousands of other voices in our Advocacy Network and help us make a difference!
Please email your members of Congress today and let them know that you are a kidney voter who urges them to take decisive action to help kidney patients.
Please contact your U.S. Representative and U.S. Senators to ask them to cosponsor the Living Donor Protection Act that will ensure that individuals who give the gift of life are protected from discrimination and are encouraged to help those in desperate need.
Medigap, or Medicare Supplement insurance, is private insurance available to Medicare beneficiaries to cover costs that Medicare does not cover.
This bill is a crucial first step in addressing our nation's growing need to prevent and address kidney disease. Please contact your U.S. Representative today and ask them to cosponsor this important piece of legislation.