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Support Medigap Plans

2025-06-04T20:42:29+00:00June 2nd, 2025|Categories: Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

I have end-stage renal disease (ESRD), or kidney failure. My journey began after a serious accident at age 12 caused my kidneys to fail. My mother selflessly donated one of her kidneys, which lasted about eight years. At 20, my body began rejecting the transplant, and I had to start dialysis—a taxing but life-saving treatment done three times a week to filter the blood. The transition was overwhelming. I often rode a bus to San Francisco at 6 a.m. and returned home at midnight. Like many others, I had to adjust to a difficult new normal. After 16 years on [...]

Support a state law that helps those living in an insurance gap

2025-06-04T20:40:12+00:00May 29th, 2025|Categories: Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

I’ve been living with kidney failure since 2019. Like so many Californians, I’ve faced more than just one diagnosis—diabetes, high blood pressure, gastroparesis, gout—and even the amputation of my foot due to sepsis. Dialysis, an intensive treatment done three times per week to keep me alive, has permanently affected my life. But I’ve fought every step of the way to stay strong and keep pursuing my goals. I returned to school at age 37, majoring in nutrition and dietetics to learn how food could help heal my body. I plan on pursuing another degree in sociology as well. Unfortunately, thousands [...]

Medical funding

2025-06-05T15:18:48+00:00May 26th, 2025|Categories: Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

I was diagnosed with kidney failure at 34. I lacked formal education about the disease, and within a year I began losing my sight to diabetic retinopathy. I’m now legally blind and depend on others for daily tasks. It’s been a difficult journey, but I’ve grown as a person throughout it. Patients like me shouldn’t have to worry about finances. I’m lucky enough to afford dialysis, a frequent treatment that filters my blood since my kidneys can’t, since it’s covered by Medicare and charitable donations. I remember paying out of pocket for a few months at the beginning of my [...]

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 [...]

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