Medicare Dialysis Patients That Are Under Age 65
Dialysis Patients Under Age 65 That Have Medigap Coverage

Medigap Coverage

While Medicare covers most medical costs, those without a supplementary policy must pay co-insurance, co-pays and deductibles out-of-pocket. Having to pay deductibles and co-pays not covered by Medicare can cause serious financial strain. Because of this lack of access to supplemental plans, some people with ESRD under 65 are forced to spend down their assets to become eligible for Medicaid coverage. This is financially devastating for these individuals and, in the end, will cost the State – and its taxpayers – more money.

Map of the United States that identifies states in red that do not guarantee access to Medigap for dialysis patients under age 65.

When Medigap plans were first introduced, Congress only guaranteed issue of these plans to traditional Medicare beneficiaries and therefore did not extend this protection to those who gain Medicare coverage prior to age 65, including people with ESRD. Currently, only 28 states offer Medigap plans to people on dialysis. People on dialysis face serious financial struggles in areas where Medigap coverage is not available for people on dialysis under the age of 65. DPC continues to advocate for every person on dialysis to be able to purchase coverage through Medigap programs regardless of age.

Related Information

DPC’s 2020 Annual Membership Survey is Live!

August 6th, 2020|Categories: 5-Star Ratings, Access to Transplant, Article, Care Coordination, Charitable Premium Assistance, Dental Coverage, Dialysis Funding, Get Involved, Immunosuppressive Drug Coverage, Innovation, Medicaid, Medicare Advantage, Medigap Coverage, Quality Incentive Program, Take Action, Transplant Donor Protection, Transportation Services, Treatment Options|Tags: |

Elevate the Voice of Patients with Kidney Disease and Their Caregivers Our 2020 Annual Membership Survey is live, and it will remain open until Friday, August 21. We are counting on your participation, as [...]

More Related Information

Other Links

State Resources
Choosing a Medigap Policy

Learn More About Promoting Financial Security

Rearview studio shot of a diverse group of young people embracing each other against a gray background

Charitable Premium Assistance

Medigap Coverage

Senior Woman Being Hugged By Adult Son In Garden

Medicare Advantage

Shot of a happy senior woman spending quality time with her daughter outdoors