January 27, 2008
Home dialysis: You can afford it.
If your kidneys have failed, you will need dialysis treatment. The majority of dialysis costs, whether for home or in-center treatment, are paid through medical insurance, either your own insurance or the government-sponsored Medicare program.
In 1972, the Social Security Act was changed to extend Medicare benefits to people of any age with end stage renal disease as long as they meet certain requirements based on work credits. Find out about the requirements for Medicare coverage.
In addition, the improved outcomes that generally accompany home dialysis often allow dialysis patients to return to work or continue working, making it possible for many patients to take advantage of their companies’ medical insurance.
If you are able to continue working, you may want to in order to be covered by your company’s insurance plan. If you have any questions about whether your company’s plan covers home dialysis, talk to your Human Resources department. Someone there will be able to help you find answers to your questions.
Another option for paying for home dialysis is to buy your own medical insurance. The dialysis costs covered by a personal insurance plan vary, depending on the plan you purchase. The only problem with personal insurance plans is that some do not cover treatment for health conditions that you have received treatment for before purchasing the plan. For this reason, you should ask about any restrictions on pre-existing conditions.
A member of your health care team, your social worker, can talk to you more about insurance and help you find the plan or combination of plans that works best for you.
Learn more about home dialysis at www.davita.com/home.
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