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End-Stage Renal Disease (ESRD)

Am I Eligible for Medicare?

You can get Medicare no matter how old you are if all of these apply:

  • Your kidneys no longer work

  • You need regular dialysis or have had a kidney transplant

  • One of these applies to you:

    • You've worked the required amount of time under Social Security, the Railroad Retirement Board (RRB), or as a government employee

    • You’re already getting or are eligible for Social Security or Railroad Retirement benefits

    • You’re the spouse or dependent child of a person who meets either of the requirements listed above

When will my Medicare coverage start?


Eligibility for Medicare coverage based on ESRD works differently than other types of Medicare eligibility. If you’re eligible for Medicare based on ESRD and don’t sign up right away, your coverage could start up to 12 months before the month you apply.

What are my options to cover the gaps Medicare leaves?


You may have a variety of options to assist in filling in the cost gaps left once Medicare pays it’s portion.  These could include employer plans which coordinate with Medicare, your states Medicaid, or brand new for 2021 a Medicare Advantage plan.  If you have questions about the right path for you, please contact us anytime.

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