Medicare Insurance for ESRD

The Medicare insurance is the special type of insurance which has been designed for people who are 65 or older and disable people of any age. The main purpose of this insurance is to provide them the different type of insurances related to health within one package. Usually, there are different healthcare related insurance plans for the different situation but Medicare insurance in America covered most of them in this single insurance plan. So, whether you are looking for the hospital expenses, medical services, and drug coverage, the Medicare insurance will provide coverage on all of them.

The end-stage renal disease people have been usually ignored when we talk about the Medicare insurance. Even if you go to the market and explore different insurance companies who are providing help regarding the Medicare insurance on the basis of commission earning, do not really talked about people who are suffering from the end-stage renal disease. This is the main reason behind the less popularity of Medicare Insurance for the ESRD.

The federal government of United States of America has included the end-stage renal disease people at the very early launch of the Medicare insurance in 1965. But still, it does not make the equal opportunity in the insurance industry due to lack of knowledge and information.

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The end stage renal diseases have many kinds. One example of them is permanent kidney failure. For treatment, the patient needs to bear expenses of transplant, ESRO, and dialysis etc. The Medicare insurance plan covers all of these expenses on the behalf of the patient only if they have purchased the right plan for them.

ESRD Medicare Insurance Eligibility

A person can become eligible for the ESRD Medical Insurance as soon as after the first dialysis treatment. There is not much requirement to claim the coverage but yes, it could be a bit time taking the process or you need to wait up to 3 months for the coverage after the regular dialysis begins.

The Medicare Insurance has been usually famous for the old people but for the ESRD patient, there isn’t any age requirement. As long as the doctor advice for the regular dialysis or kidney transplant, the person becomes eligible for the ESRD Medicare insurance.

When Medicare Coverage End for the ESRD patients?

Like any other health-related insurance, the coverage end when the patient has been recovered completely. Examples of dialysis and transplant patients are:

  • The coverage ends 12 months after the last dialysis treatment for the dialysis patient
  • The coverage ends 36 months after the kidney has been transplanted.

There are multiple insurance plans and even the coverage ratios have been sold by the insurance companies. So, the coverage could have the different ending period in special cases but this is the standard time which most of the ESRD patient got after they claim the insurance coverage.

Once a patient has taken benefit from the Medicare insurance, the 3-month eligibility criteria will be removed from him and the patient can enroll for the Medicare Insurance instantly.