Health Insurance Premium Program

If you have kidney failure but are unable to afford the cost of your health insurance premiums, the American Kidney Fund's Health Insurance Premium Program (HIPP) may be able to help you pay for your premiums through grants. 

Mother and daughter

About the Health Insurance Premium Program (HIPP)

In 2021, AKF provided HIPP grants to nearly 71,000 patients nationwide, ensuring these individuals can maintain their health insurance coverage and receive the medical care they need. This program ensures access to life-saving medical care for low-income individuals, the majority of whom identify as members of racial and ethnic minority groups. HIPP helps address health equity challenges facing individuals from communities of color and low-income households.

Who is eligible for HIPP?

HIPP provides grants for people who cannot afford their monthly insurance premiums.

If you want to apply for HIPP assistance, you should know that we determine your eligibility based on our financial need criteria:

  • You must live in and receive dialysis treatment for end-stage renal disease (ESRD) in the U.S. or its territories.
  • You must have carefully reviewed, selected and received health insurance coverage, and met the eligibility requirements for coverage of the plan you have chosen.
  • You must also carefully review all available assistance for paying insurance premiums (Medicaid, state & local assistance, charitable organization assistance) and determine if you are eligible for any financial assistance
  • You must show that you cannot afford your health coverage. This determination will be based upon review of the following:
    • your household income may not exceed of 500% of the Federal Poverty Level (FPL)
    • liquid assets (excluding retirement accounts) may not exceed $30,000
    • Patients already enrolled in Low-Income Home Energy Assistance Program (LIHEAP), Temporary Assistance for Needy Families (TANF), HUD housing assistance, or Supplemental Nutritional Assistance Program (SNAP) are automatically eligible

HIPP grants save lives

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    64% of HIPP grantees identify as people of color

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    100% of HIPP patients are considered low-income, with an average household income just over $25,000

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    The average annual out-of-pocket expenses for people with kidney failure is $10,000

    How does the program work?

    HIPP grants provide the financial support to ensure each individual can pay their health insurance premiums. The HIPP grant provides the supplemental funds to pay for the health coverage you've already chosen.  Note: AKF does not help you choose or enroll in an insurance plan. 

    Which insurance programs are covered?

    HIPP grants cover premiums for: 

    • Part B Medicare 
    • Medigap
    • Medicare Advantage
    • Medicaid (in states that charge premiums)
    • Commercial plans (including public, private, and Marketplace plans)
    • Employer group health plans (i.e. private health insurance offered through your job )
    • COBRA plans

    How do I apply?

    The Grant Management System (GMS) is the online system for registering, applying to, and managing all financial grant requests. You can register online and complete your application at gms.kidneyfund.org. 

    AKF has a two-step application process:

    • Step 1: Complete a patient profile online to determine if you qualify. 
    • Step 2: If your profile is deemed eligible by AKF, submit a grant request online through the GMS system

    Resources and support

    Your social workers, renal professionals and caregivers can help you navigate the HIPP program application and help answer any questions.

    Note: HIPP application support is limited exclusively to the program itself; there is no support or guidance on selecting an insurance plan. Patients independently select the best plan for their unique health and financial needs.

    Where can I find more information?

    For more detailed HIPP information and rules please review the HIPP guidelines available on AKF's Grants Management System (GMS).

    AKF Donor Theresa B shares why it's important to support AKF.

    Financial assistance for kidney transplant recipients

    When an existing HIPP patient receives a transplant, AKF provides health insurance premium assistance to the patient through the end of the insurance coverage plan year.

    Note: Persons eligible to receive post-transplant assistance must already have been receiving HIPP assistance for at least three (3) consecutive months prior to the time of their transplant.

    elderly hands holding eachother
    AKF donor

    You helped me tremendously by paying my premiums during my dialysis treatments. I am alive because there was help. I am a kidney transplant recipient and try to help whenever I can.

    Zaiba B., kidney patient and AKF donor

    Frequently asked questions

    The HIPP application process

    HIPP and your insurance  

    HIPP offers assistance with primary and secondary insurances (if available) Note: AKF will not assist with more than two types of insurance.

    You remain the policyholder for your health insurance coverage, even if you receive HIPP grants. Although you receive HIPP assistance through grants from AKF, you are the policyholder for your health insurance. The contract is between you and the insurance company. You are responsible for understanding all of the terms of your contract and for making sure that your health insurance premium is paid on time. 

    HIPP and your treatment

    When you receive grant assistance from AKF, it doesn't matter where you are treated. We will assist you whether or not your dialysis provider or transplant center makes charitable contributions to AKF, and you're free to change providers at any time. We do not help you choose a dialysis clinic or other health care providers.

    Once you have assistance from HIPP, you'll be able to access all of the health care services offered covered by your insurance, including transplant workups and transplants allowed under your plan.

    When an existing HIPP patient receives a transplant, we provide health insurance premium assistance to the patient through the end of the insurance coverage plan year. For example, a patient whose health plan year is on a calendar basis and who receives a transplant in May would be eligible to receive HIPP assistance through the end of December. If the transplant occurs in the final quarter of a plan/policy year and AKF has already begun paying premiums for the next plan/policy year, then AKF will continue grant assistance for the full new plan/policy year. 

    Dialysis providers' code of conduct

    We expect that all renal providers and renal professionals who refer patients to AKF for HIPP program grants act in an ethical manner and comply with Advisory Opinion 97-1.  This is the federal guidance that prevents conflicts of interest and ensures that the program operates in accordance with all applicable laws. Click here for more information on 97-1.

    AKF asks all dialysis providers to sign our voluntary Code of Conduct. By signing, providers agree to educate patients about the HIPP program and ensure that patients have access to accurate and impartial information about health insurance coverage options. This enables patients to make informed decisions when selecting the best coverage for their unique health situation, and allows eligible applicants to receive assistance from AKF's HIPP program.

    The following dialysis providers have signed the AKF Code of Conduct. AKF will update this information on a routine basis.

    • American Home Dialysis, LLC
    • American Renal Associates
    • Antelope Valley Kidney Institute
    • Atlantis Healthcare Group
    • Avera Health
    • Blalock Dialysis Center
    • Boson Health
    • Centers for Dialysis Care
    • CentraCare Health
    • Crown Dialysis Center of Palm Beach
    • DaVita Kidney Care
    • Dialysis Center of Lincoln, Inc.
    • Dialysis Centers of NW Arkansas, LLC
    • Dialysis Clinic, Inc.
    • Dialyspa
    • Dialyze Direct
    • Dreiling Medical Management
    • Fresenius Medical Care
    • Harrison Dialysis Center
    • Home Dialysis of North Alabama
    • Home Dialysis Services, LLC
    • Infiniti Dialysis Center of Cincinnati, LLC
    • Jefferson Health Dialysis
    • Kidney Care Center
    • Kidney Spa, LLC
    • Las Palmas Medical Center
    • Mainsail Health Partners
    • Medical District Home Dialysis
    • National Renal Care, LLC
    • NEA Baptist Clinic Dialysis Center
    • New Direction Home Dialysis
    • North Central PA Dialysis Clinic
    • Olympic Peninsula Kidney Center
    • Ozarks Dialysis Services
    • Physicians Choice
    • Physicians Dialysis Trinity
    • PPG Healthcare
    • Santa Barbara & Lompoc Artificial Kidney Centers
    • Satellite Healthcare
    • SNG Dialysis
    • Sugarland / Diamond Dialysis
    • Tift Regional Dialysis
    • U.S. Renal Care
    • Union County Dialysis Center
    • Waycross Dialysis Facility
    • Wichita Falls Kidney Dialysis