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Congress can help kidney patients

2025-07-17T16:01:41+00:00July 16th, 2025|Categories: Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

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

2025-07-17T15:46:07+00:00July 12th, 2025|Categories: Medigap Coverage, Patient Ambassadors, Patient Stories in the News, Promote Financial Security|

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

2025-06-25T14:39:38+00:00May 29th, 2025|Categories: Featured Spotlight, 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 [...]

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 [...]

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