Find the right Medicare plan!
Learning Center / Medicare / Medicare and Kidney Failure (ESRD)

Medicare and Kidney Failure (ESRD)

November 20, 2023

Medicare and Kidney Failure (ESRD)

End-Stage Renal Disease (ESRD) is a medical condition where the kidneys are no longer able to function effectively to filter toxins and waste products from the body. It's the final stage of chronic kidney disease, a progressive condition that can take years to develop. ESRD results in irreversible damage to the kidneys, and it can be fatal if left untreated.


Symptoms of ESRD include fatigue, weakness, nausea, vomiting, loss of appetite, itching, and muscle cramps. Patients with ESRD require dialysis or a kidney transplant to stay alive. Dialysis is a mechanical process that helps filter waste products and toxins from the body, while a kidney transplant involves replacing a diseased kidney with a healthy one from a donor.


Risk factors for ESRD include high blood pressure, diabetes, cardiovascular disease, obesity, smoking, and advanced age. Preventive measures such as managing blood pressure, maintaining a healthy weight, and avoiding smoking can help reduce the risk of developing ESRD. Although ESRD is a serious condition, early detection and treatment can help improve the quality of life and increase life expectancy for patients. Unfortunately, treatments for ESRD can be costly and require in-depth medical care. For some patients, Medicare can prove to be a lifeline. However, understanding how kidney failure and Medicare work is essential.

With a plethora of information available online, it can be overwhelming for someone who is just starting to navigate the Medicare system. However, it's crucial to understand the basics of Medicare plans and how it works with End-Stage Renal Disease. Keep reading to learn more.

Medicare Qualifications

A doctor examines her patient and speaks with her about ESRD and treatments that might qualify for Medicare coverage.


Medicare is a federal health insurance program that provides medical coverage to people who are 65 years old or older. It provides health insurance coverage for hospitalization, medical care, and prescription drugs. However, there are some exceptions to the age criteria, and End-Stage Renal Disease is one of them. If you have ESRD, you may be eligible for Medicare, even if you're under 65. Medicare provides coverage for individuals with ESRD, regardless of their age, as long as they meet certain qualifications.

To qualify for ESRD Medicare coverage, you can get Medicare no matter how old you are if all of these apply:

  • Your kidneys no longer work
  • You require regular dialysis or have had a kidney transplant
  • One of these applies to you:
  • You've worked the required amount of time under Social Security, the Railroad Retirement Board (RRB), or as a government employee
  • You’re already getting or are eligible for Social Security or Railroad Retirement benefits
  • You’re the spouse or dependent child of a person who meets either of the requirements listed above

Additionally, you must also be a U.S. citizen or a permanent resident for at least five years. Understanding kidney failure and Medicare qualifications can help individuals with ESRD receive the care they need and manage their healthcare expenses more effectively.


Signing Up For Medicare

For those with ESRD, signing up for Medicare can be a crucial step in receiving necessary medical treatment. Eligible individuals can sign up for Medicare at any time, regardless of age, if they are on dialysis or have received a kidney transplant. Medicare benefits for those with kidney failure are available through both Parts A and B and may also include coverage for related expenses such as transportation to and from medical appointments.


To enroll in Medicare, you'll need to visit your local Social Security office. This applies even if you qualify based on prior railroad work, as Social Security is responsible for handling your Medicare enrollment. Once there, you'll need to provide documentation that confirms your diagnosis, as well as any information about the treatments you require. You should receive support from your provider and dialysis center, which will help ensure that Social Security has all the information they need to process your application.

 In the event that you're not able to enroll yourself for Medicare coverage due to your illness, somebody else can do it for you. This could be a family member or a designated party, so long as they have the necessary documentation and information about your condition. Enrolling in Medicare can seem daunting, but with the right resources and support, you can better understand how kidney failure and Medicare work to access the coverage you need to manage your condition and take care of yourself.


Medicare Coverage

 If you have End-Stage Renal Disease and require dialysis, you may be eligible for Medicare coverage. However, the timing of your eligibility is dependent on the type of dialysis you receive. If you opt for a home dialysis training program, also known as self-dialysis, you can become eligible for Medicare from the first day of the first month of your program. However, you must begin the program before the third month of your dialysis, and your doctor must confirm that they expect you to complete the program and continue with home dialysis beyond its end.


On the other hand, if you receive dialysis at an inpatient or outpatient facility, you're eligible for Medicare from the first day of the fourth month following the commencement of dialysis. If you're scheduled for a kidney transplant, you can become eligible for Medicare coverage in the month you're admitted to a Medicare-approved hospital for the transplant or for any health services you require before the transplant. However, you must receive the transplant within two months of the start of your coverage. In case of a delay, Medicare coverage can begin two months before your transplant's scheduled month.


The coverage includes a range of services such as kidney transplant, dialysis, and kidney disease education to help patients cope with the disease and its symptoms. Medicare also covers drugs and other treatments needed for ESRD management, such as erythropoietin hormone, iron supplements, and other medications that your physician may prescribe.


With kidney failure and Medicare, the cost of your treatments and care will depend on the type of coverage you have. However, in many states, there are agencies and state kidney programs that can help with the health care costs that Medicare doesn't pay.


Medicare Options

People with ESRD can choose either Original Medicare or a Medicare Advantage plan for their Medicare coverage. Original Medicare is the traditional Medicare coverage provided by the government. This coverage includes Part A, which covers hospital stays, and Part B, which covers medical services such as doctor visits and tests. In addition, those with ESRD can also enroll in Medicare Part D, which covers prescription drugs. People with ESRD who choose this option may need to pay out-of-pocket for certain services.


On the other hand, Medicare Advantage plans, also known as Part C, is a different option to Original Medicare. Private insurance companies offer these plans and provide the same basic coverage as Original Medicare but with additional benefits such as vision, dental, and hearing coverage. In addition, many Medicare Advantage plans also include prescription drug coverage, making it easier for people with ESRD to manage their medications.

With many Medicare Advantage plans, you'll need to use healthcare providers who participate in the plan’s network and service area. Before you join a plan, you may want to make sure the providers you currently see (like your dialysis facility or kidney doctor), or want to see in the future (like a transplant specialist), are in the plan’s network.


Ultimately, the choice between Original Medicare and Medicare Advantage plans for those with ESRD depends on a variety of factors, including the individual's healthcare needs and budget. To make the best decision, patients should consult with their healthcare providers and do their research to determine the best option for their unique situation.


Overall, understanding kidney failure and Medicare is crucial for individuals who are diagnosed with ESRD. It's important to know the basics of Medicare, including its coverage and benefits and how it applies to those with kidney failure. With knowledge and understanding of Medicare, patients with ESRD can focus on their treatment and overall well-being without worrying about the cost of healthcare coverage

© 2021-2024, LLC

Privacy Policy  |  Terms and Conditions

GENERAL DISCLAIMERS is a commercial site designed for the solicitation of insurance from selected health insurance carriers and, LLC is a licensed insurance agency. It is not a government agency. It is also not an insurer, or a medical provider., LLC is a licensed representative of Medicare Advantage (HMO, PPO, PFFS, and PDP) organizations that have a Medicare contract. Enrollment depends on the plan’s contract renewal.

We do not offer every plan available in your area. Currently we represent nine carrier plan organizations nationally. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Alternatively, you may be referred, via a link, to a selected partner website, which is independently owned and operated and may have different privacy and terms of use policies from us.

If you provide your contact information to us, an insurance agent/producer or insurance company may contact you. If you do not speak English, language assistance service, free of charge, is available to you; contact the toll-free number listed above. This site is not maintained by or affiliated with the federal government's Health Insurance Marketplace website or any state government health insurance marketplace.

The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. To learn more about a plan's nondiscrimination policy, please click here.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.