To Whom It May Concern, Like many patients with End Stage Renal Disease (ESRD) – or kidney failure – my diagnosis came as a shock. About a decade ago, I went to my doctor feeling ill. I discovered that my kidneys were failing and I had to get on dialysis, the costly but life-saving treatment which replaces my kidney function. I have been on dialysis ever since. My healthcare journey has been difficult, and many ESRD patients like me deal with financial challenges as a result of the diagnosis, too. I did not have health insurance upon beginning dialysis, so [...]

In the United States, dialysis treatment should be affordable. Unfortunately, inadequate coverage for dialysis often plunges patients into debt. Dialysis should not bankrupt you. In our system, Americans on dialysis almost always wind up using Medicare. Since Medicare only covers 80% of the bill, patients must figure out how to cover the remainder. I was on dialysis for 10 years, and I received a kidney transplant in 2018. I was forced to stop working when I began dialysis, but my mother’s private insurance covered my bill. Private insurance helped me immensely; however, a recent Supreme Court decision may give private [...]

I have chronic kidney disease. Thankfully, my kidneys are still functioning, but they are at risk of failure any time. I became a dialysis patient advocate because I may eventually have to withstand the difficulties that come with dialysis in America. I am fighting for my future and for the future of all dialysis patients in America. I am concerned with a recent Supreme Court decision that allows private insurers to essentially push new dialysis patients off of their private insurance and onto Medicare soon after beginning treatment. This puts the health and well-being of those already fighting a monumental battle at [...]

We Americans with kidney failure must accept the fact that we will be in medical debt for the rest of our lives. To pay for dialysis treatment, some patients keep working and use private insurance. Others live in states that supplement the other 20%. For me, although I have my husband’s private insurance, we still owe thousands of dollars out-of-pocket. I was a single mom when I started dialysis ten years ago, and money has always been tight. I have not been able to pay much more than the minimum payments on my medical debt. For patients just beginning dialysis, [...]

Kidney failure changed the course of my life. I began dialysis, the exhausting treatment kidney failure patients need to survive, three months pregnant with my son. I received a kidney transplant, which ultimately failed, and I have been on dialysis for a total of nine-and-a-half years. It’s been an arduous journey. Dialysis costs upwards of $100,000 per year, so most patients rely on some combination of Medicare, Medicaid, private insurance and charity. I began dialysis as a young adult, so I needed Medicaid immediately, but many others begin with employer-provided private insurance. As I’ve learned over the course of my [...]

Dear Editor, When I served as my grandfather's caregiver during his dialysis treatments, the most frustrating challenge was the difficulty we faced dealing with Medicare. Slow payments and limited access to services were all too common for us, but thankfully we had access to supplemental insurance that helped cover costs. For many dialysis patients, private insurance plays an important role in providing access to care, either as supplemental insurance like my grandfather had, or as a patient's primary insurer in the early days of treatment. For years, patients were able to remain fully covered by private health insurance for 30 [...]

When I began dialysis, I took advantage of Medicare, private insurance and charity funding to pay for my treatment. However, I often speak to other patients who do not have access to supplemental insurance and end up being stuck paying the 20% that Medicare does not cover. Paying out-of-pocket for dialysis is simply impossible for most Americans. For years, Marylanders on dialysis could keep their private insurance for 30 months after their diagnosis, which allows them wider treatment options while adjusting to their new normal. However, a recent Supreme Court decision may allow private insurance companies to single out dialysis [...]