HDC: Insurance 101 for Social Workers

MEI’s Home Dialysis Central blog has published a post on Insurance 101 for Dialysis Social Workers.  The objective is to help assure that people with Chronic Kidney Failure avoid inaccurate advice that can be very costly.  The complexity is remarkable – even insurance experts should review the article for anything they may have overlooked.  Find the post at https://homedialysis.org/news-and-research/blog/367-insurance-101-for-dialysis-social-workers.  It may be particularly useful as we approach the 2020 Medicare Open Enrollment Period.

Just a few examples:

  • You must have paid Social Security taxes for a specific length of time to be eligible for Medicare to cover treatment for chronic kidney failure.
  • Medicare coverage starts in month 4 for in-center dialysis, but starts in month 1 for home dialysis.
  • Medicare part A is free, but it’s Part B that pays for dialysis, and it’s not free.
  • If you don’t sign up for Medicare Part B or D when you’re first eligible for part A, you’ll pay a lot more for them.
  • A few of the terms and acronyms that complicate matters: work credits, Medicare Advantage, Medigap, Medicaid, Medi-Cal, primary payer, Medicare assignment, MA, QMD, SLMB, COBRA, QHP, ACA.

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