Dialysis and Insurance Options
Understand your insurance options when it comes to dialysis and coverage for transplants.
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Health insurance coverage may feel overwhelming if you’re just starting dialysis. Your care team is here to support you and answer your questions.
Before starting treatment
Before you begin dialysis, it’s important to understand your insurance coverage. Helpful resources to answer your questions and help you understand benefits include:
- Your care team including your social worker
- Your insurance provider
- Social Security office
- Your employer’s human resources department
Insurance coverage options
Insurance companies, including Medicare, Medicaid, Employer Group Health Plans, and commercial insurances cover dialysis treatments. If you are under 65 and receiving dialysis treatments, you are eligible for Medicare.
You may have to pay some costs like premiums, co-pays, and deductibles. However, some dialysis companies can help you with these costs if you need it. You also may be eligible for additional insurance coverage and help paying for your insurance premiums.
Kidney transplant insurance coverage
Most insurance companies will cover transplants. Depending on your location, and desire to list in multiple centers, you may need to contact your insurance provider to understand coverage. If you were not previously on Medicare, you will be eligible for Medicare the month that you are admitted to a Medicare-certified hospital to receive a transplant. The benefits coordinator at the transplant center can help answer your questions.
We are here to help
Your care team can help answer your insurance questions. Reach out for any support you need.
This serves only as a guide. Talk with your healthcare provider for more information based on your health needs.