Medigap Coverage

While Medicare covers most medical costs, those without a supplementary policy must pay co-insurance, co-pays and deductibles out-of-pocket. Having to pay deductibles and co-pays not covered by Medicare can cause serious financial strain. Because of this lack of access to supplemental plans, some people with ESRD under 65 are forced to spend down their assets to become eligible for Medicaid coverage. This is financially devastating for these individuals and, in the end, will cost the State – and its taxpayers – more money.

When Medigap plans were first introduced, Congress only guaranteed issue of these plans to traditional Medicare beneficiaries and therefore did not extend this protection to those who gain Medicare coverage prior to age 65, including people with ESRD. Currently, only 28 states offer Medigap plans to people on dialysis. People on dialysis face serious financial struggles in areas where Medigap coverage is not available for people on dialysis under the age of 65. DPC continues to advocate for every person on dialysis to be able to purchase coverage through Medigap programs regardless of age.


Our Work:

May 30, 2017, Dialysis Patient Advocates Urge Congress to Improve Kidney Disease Research and Care

July 9, 2015, Comment Letter: DPC Writes to Montana state official, in support of a proposed rule allowing Medigap open enrollment for Medicare patients under the age of 65 with disabilities or ESRD

January 27, 2014, Comment Letter: DPC Thanks Texas for Allowing ESRD Patients to Purchase Medigap Plans

April 3, 2013, Comment Letter: DPC Thanks South Carolina Senator for his Support in extending Medigap Coverage to Medicare Patients

Fact Sheets:

Ensure Access to Medigap Coverage for Dialysis Patients

Map of States with Medigap Coverage as of 9/05/2019

Take Action:

Support the Kidney Bill


Related Issues:

Health Insurance Exchanges


Other Links:

State Resources
Choosing a Medigap Policy




Dialysis Patient Citizens
1012 14th Street, NW, Suite #1475
Washington, DC 20005

Toll free: 1-866-877-4242
Fax: 888-423-5002