Our patient support includes helping you understand the potentially complex insurance implications for dialysis care. Our Licensed Master Social Workers are informed and ready to help you navigate coverage related to kidney disease whether within your existing insurance program or when choosing a new one.
Central Florida Kidney Centers accept the following insurance healthcare programs:
Medicare is a federal health insurance program that pays health care costs for eligible people who are
Visit Medicare.gov and search on “I have end-stage renal disease” to find information about whether you qualify for Medicare and how to sign up.
Medicare has two main ways to get coverage—Original Medicare which includes Part A External link and Part B or a Medicare Advantage Plan also called Part C. You can also choose to have prescription drug coverage through Medicare Part D
Most people with kidney failure are not allowed to join a Medicare Advantage plan. However, beginning in 2021, the 21st Century Cures Act will allow people with ESRD to choose a Medicare Advantage plan instead of Original Medicare. Medicare Advantage plans may limit where you get care, but they cap out-of-pocket costs. With Original Medicare, there is no cap on out-of-pocket costs, but you can get care anywhere that Medicare is accepted.
You can find out more about the Medicare health plans by visiting Medicare.gov and searching on “ESRD,” then clicking on “Signing up for Medicare if you have ESRD.”
Other Medicare health plans are available that have special rules or are for specific groups of people. Medicare offers more information about these alternate plans online
Learn more about Medicare benefits, rules, and coverage details at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227; TTY: 1-877-486-2048).
If kidney failure is the only reason you are signing up for Medicare, your Medicare start date will depend on the type of kidney failure treatment you receive. Find out more about when your Medicare coverage may start
If kidney failure is the only reason you have Medicare, your coverage end date will depend on whether you had a kidney transplant or dialysis treatment. Learn more about when your Medicare coverage will end
Medicare coverage will not end if you are eligible because of age or disability.
Learn more about which insurance pays first if you have Medicare and other health coverage
You can find more information about Medicare’s kidney failure treatment coverage from the following resources
You may also be able to get help paying for your kidney failure treatment from one or more programs that are run jointly by the Federal Government and state governments, including Medicaid and the Children’s Health Insurance Program (CHIP).
Medicaidprovides free or low-cost health coverage for some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Each state runs its own Medicaid program based on rules set by the Federal Government. Medicaid may pay for services that Medicare does not.
Find out whether you qualify for Medicaid in your state and learn how to apply at
Learn more at Medicaid.gov or call 1-877-267-2323 (TTY: 866-226-1819).
CHIP offers free or low-cost Medicaid to children whose parents earn too much for Medicaid but not enough to pay for a private health plan. CHIP is run by the states, based on federal rules. In some states, CHIP may cover pregnant women and parents. Find out if your family members qualify for CHIP through Healthcare.gov or your state’s Medicaid or CHIP agency
Learn more about CHIP at InsureKidsNow.gov or call 1-877-543-7669.
Medicare Savings Programs are programs in which your state may pay your Medicare premiums, deductibles, and/or coinsurance if you have a low income and few assets. How Medicaid works in U.S. territories varies
State Health Insurance Assistance Programs (SHIPs) give local advice about health insurance to people who have Medicare or who are eligible for Medicare. SHIP counselors can help you choose the best plan for your needs. Find a SHIP counselor at shiptacenter.org or call 1-877-839-2675.
State kidney programs provide financial help and other services to people with kidney disease. Talk with your dialysis or transplant clinic social worker or financial counselor to find out if your state has a kidney program.
State Pharmaceutical Assistance Programs (SPAPs) help pay for prescription medicines in certain states. Learn what’s available in your state with the SPAP online locator
Medicare Savings Programs are programs in which your state may pay your Medicare premiums, deductibles, and/or coinsurance if you have a low income and few assets. How Medicaid works in U.S. territories varies.
State Health Insurance Assistance Programs (SHIPs) give local advice about health insurance to people who have Medicare or who are eligible for Medicare. SHIP counselors can help you choose the best plan for your needs. Find a SHIP counselor at shiptacenter.org or call 1-877-839-2675.
State kidney programs provide financial help and other services to people with kidney disease. Talk with your dialysis or transplant clinic social worker or financial counselor to find out if your state has a kidney program.
State Pharmaceutical Assistance Programs (SPAPs) help pay for prescription medicines in certain states. Learn what’s available in your state with the SPAP online locator
Some people with kidney failure use private health insurance to help pay for their health care
