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Letters: Dialysis patients need help from Congress to fight insurers

2025-08-26T16:03:24+00:00August 21st, 2025|Categories: Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

I’m writing not just as a nurse, but as a wife and caregiver. My husband Kenneth was diagnosed with IgA nephropathy at just 20 years old. That disease slowly damaged his kidneys, leading to kidney failure and the need for dialysis, a treatment that does the work of the kidneys by cleaning the blood when the kidneys can no longer do so. For the past decade, we’ve built our life around his treatment. We started with peritoneal dialysis at home, which involved using a catheter and fluid exchange to filter his blood overnight while he slept. When that was no [...]

He needs help to stay alive

2025-07-22T18:49:38+00:00July 20th, 2025|Categories: Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

At 12, a freak accident caused my kidneys to fail. My mother gave me the gift of life a second time when she donated one of her kidneys. But by 20, my body began rejecting it, and I had to start dialysis, a grueling treatment that filtered my blood because my kidneys no longer could. Three times a week, I sat in a chair for hours just to stay alive. Eventually, I received a second transplant. But even post-transplant I need expensive medications, lab work, and regular checkups. Thankfully, I have private insurance. It gave me coverage that Medicare could [...]

Congress can help kidney patients

2025-08-26T19:40:16+00:00July 16th, 2025|Categories: Featured Spotlight, Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security, Spotlight|

For decades, I worked as a teacher and mentor to students I loved. Then suddenly, I was diagnosed with kidney failure. Now, I’m a dialysis patient who relies on an exhausting treatment to survive. I was first diagnosed with kidney disease in 2016 after a family history of high blood pressure caught up with me. I came off dialysis for a few years after weight loss surgery, but in 2023, my kidneys failed again. I had to stop working, because of having too many doctor's appointments and too many sick days. I lost my private insurance, and Medicaid turned me [...]

Congress, pass Restore Protections for Dialysis Patients Act

2025-08-26T19:40:22+00:00July 12th, 2025|Categories: Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Patient's Voice, Promote Financial Security, Spotlight|

I’ve lived with kidney failure since birth. After several transplants, I’ve now been on dialysis for 36 years, which is the only treatment besides a transplant for kidney failure. It’s not something you can skip. It’s a life-or-death treatment. That’s why I’m urging Congress to pass the Restore Protections for Dialysis Patients Act. This H.R. 2199 bill would ensure new dialysis patients can keep their private insurance for 30 months, a protection we used to have until a recent Supreme Court decision determined what health care we can receive. Private insurance gives patients better options, essential in those initial months [...]

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

2025-07-23T14:52:11+00:00May 29th, 2025|Categories: Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security, Spotlight|

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 [...]

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