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State must guarantee Medigap for dialysis

2025-04-22T18:42:06+00:00April 18th, 2025|Categories: Medicare Advantage, Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

I have progressive chronic kidney disease (CKD). One day, my kidneys will fail. Dialysis — a life-saving treatment that removes waste from the blood when the kidneys fail — is in my future. Right now, I am doing everything I can to slow the progression of my disease. But one thing I can’t control is whether I’ll be able to afford very expensive dialysis treatment when the time comes. I recently lost my job, which means I lost my private insurance. I bought my own private plan to keep the care I need, but that’s only a temporary fix. My [...]

Letter to the Editor: Expanding Medigap Will Save Lives

2025-04-15T19:30:23+00:00April 15th, 2025|Categories: Medicare Advantage, Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

As a dialysis patient and healthcare professional, I urge California’s state legislature, especially Sen. Caroline Menjivar (CA-20) and Assemblymember Nick Schultz (CA-44), to support Senate Bill 242. This bill expands access to affordable Medigap plans for all dialysis patients, regardless of age. Kidney failure comes unexpectedly for most, as it did for me. Kidney failure requires routine dialysis treatment to stay alive while awaiting a transplant, and I spent two years on peritoneal dialysis before receiving a kidney and pancreas transplant. Without reliable healthcare coverage, my transplant wouldn’t have been possible and I would have died simply because I am [...]

Expand Medigap Coverage

2025-04-22T18:11:53+00:00March 10th, 2025|Categories: Medicare Advantage, Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security, Spotlight|

My husband and I have end stage renal disease, or kidney failure, and depend on dialysis to survive. It is difficult for Texans in similar situations to afford lifesaving dialysis, especially people who don’t qualify for Medicaid. Medicare covers only 80% of dialysis costs, leaving many patients responsible for the rest. It can cost thousands of dollars a year without proper coverage. Supplemental insurance plans called Medigap can help fill the gap that Medicare leaves open. However, Medigap plans remain unaffordable for dialysis patients younger than 65. To fix this, Texas must guarantee affordable Medigap access for dialysis patients. State [...]

Letter: Dialysis patients deserve better

2025-01-16T18:28:37+00:00October 4th, 2024|Categories: Patient Stories in the News, Private Insurance Coverage, Spotlight|

I remember being diagnosed with kidney disease in 2012 and beginning peritoneal dialysis in 2014. It was an undoubtedly difficult period in my life. Fortunately, I could continue working full time, which allowed me to keep my private insurance. Although Medicare became my primary plan, my private insurance covered 20% of the bill that Medicare did not. My private insurance also broadened my access to treatments and medications. Most patients on dialysis are not well enough to continue working and rely entirely on public assistance. Patients must pay 20% of the bill in states without an affordable Medigap plan to [...]

Preserve health protections

2024-10-03T19:11:31+00:00October 2nd, 2024|Categories: Patient Stories in the News, Private Insurance Coverage|

To the editor: I’ve had kidney troubles ever since I was born. It’s been exhausting managing my health care needs. It became even harder when I began dialysis, the only treatment for kidney failure besides a transplant. Taking care of my health while fulfilling my responsibilities as a mother and a business owner was overwhelming. If you or a loved one have had intensive medical needs, you know how incredibly hard daily life becomes. Eventually, I was able to receive a kidney transplant — only because I have private insurance in addition to Medicare. It’s unconscionable that dialysis patients without [...]

Letter: Rep. Peters and Other Leaders Must Support Legislation Protecting Dialysis Patients

2024-11-20T20:36:07+00:00September 23rd, 2024|Categories: Patient Stories in the News, Private Insurance Coverage, Spotlight|

Like over 91,000 Californians, my father suffers from end stage renal disease — kidney failure, or ESRD. My father has been receiving dialysis, the only treatment for ESRD besides a kidney transplant, for over 18 years. Dialysis is a life-consuming, exhausting treatment, but it keeps my father alive. I have served as my father’s part-time caregiver during these years. Unfortunately, many dialysis patients struggle with their healthcare expenses. Many rely on their employer-provided private insurance, especially during the first months of care, but dialysis treatment can make it very challenging to continue working. Since most receive their diagnosis unexpectedly, having that insurance [...]

A letter to the editor

2024-09-17T18:29:33+00:00September 14th, 2024|Categories: Patient Stories in the News, Private Insurance Coverage|

One day, I began feeling very tired and felt short-of-breath. Next thing I knew, I awoke in the hospital and received the diagnosis of End Stage Renal Disease, or kidney failure. I immediately needed to undergo dialysis, the three times per week treatment which filters my blood. I received dialysis treatments for five years in order to stay alive, before receiving a kidney transplant in 2016. Unfortunately, many dialysis patients struggle to pay for their all of their health care expenses, which often puts transplant out of reach for many. Thankfully, I qualified for Medicare and Medicaid. However, many patients [...]

Congress: Please stand up for Minnesotans on dialysis

2024-09-17T18:33:04+00:00September 13th, 2024|Categories: Patient Stories in the News, Private Insurance Coverage|

When I was serving as my father’s caregiver through his dialysis treatments, I was struck by how difficult it can be to navigate the health insurance landscape. I was constantly on the phone with Medicare and the VA to ensure he was covered. Dialysis is an essential treatment that extends someone’s life and keeps them healthy, which is why it shouldn’t be hard to get proper coverage. Yet instead of becoming easier for patients, it’s getting even more complicated. The Supreme Court recently ruled that private insurers may no longer have to provide full coverage for dialysis treatments, even though [...]

Letter: ‘Requesting legislative action’

2024-09-17T18:20:12+00:00September 13th, 2024|Categories: Patient Stories in the News, Private Insurance Coverage|

I urge U.S. Rep. Jasmine Crockett (D-TX) to support the Restore Protections for Dialysis Patients Act. This legislation allows new dialysis patients to keep their private insurance, a critical financial lifeline, for their initial months of care. Dialysis is the only treatment for those awaiting a kidney transplant. However, a recent Supreme Court decision enables private insurers to weaken coverage in the first months of care, essentially pushing patients onto Medicare prematurely. This shift places enormous burdens on patients who need stability during a challenging time when they are often focused on just trying to keep their jobs. I was [...]

Americans should never be punished for having a debilitating illness

2024-07-30T19:21:34+00:00July 27th, 2024|Categories: Patient Stories in the News, Private Insurance Coverage|

Americans should never be punished for having a debilitating illness. Unfortunately, that’s what happens to people like me with illnesses such as End Stage Renal Disease (ESRD), otherwise known as kidney failure. ESRD changed my life. Paying for ESRD treatment, whether it was dialysis (the treatment which works in place of kidneys) or transplant, both of which I experienced, proved to be extremely difficult. I had to rely on Cobra, Medicare, and Medicaid, and I struggled to pay for life-saving treatment. For other ESRD patients, they face financial burdens because private insurers are allowed to kick them off their insurance. [...]

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