CKD · Dialysis · Transplant

Health Insurance For Kidney Disease

Kidney disease patients have unique coverage needs and unique options — including special Medicare eligibility for ESRD. Here's how to navigate.

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Why Health Insurance For Kidney Disease

Built for your specific situation, not a generic algorithm.

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ACA Cannot Deny You

Federal law guarantees coverage regardless of CKD stage, dialysis status, or transplant history.

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Nephrologist Networks

We verify your nephrologist and dialysis center are in-network before enrollment.

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Dialysis Coverage

All ACA plans cover hemodialysis and peritoneal dialysis.

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Transplant Coverage

Kidney transplant evaluation, surgery, and post-transplant immunosuppressants covered.

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ESRD Medicare Eligibility

End-stage renal disease patients qualify for Medicare regardless of age.

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Immunosuppressant Coverage

Tacrolimus, mycophenolate, prednisone, and other transplant medications covered.

Frequently Asked Questions

Real answers from licensed insurance experts.

Can I get health insurance with kidney disease?
Yes. ACA plans cannot deny you, charge more, or exclude coverage because of CKD, dialysis, or transplant history.
Is dialysis covered by insurance?
Yes. All ACA plans cover hemodialysis and peritoneal dialysis. ESRD patients also qualify for Medicare.
Can ESRD patients get Medicare?
Yes. ESRD is one of the few conditions that qualifies you for Medicare under age 65, typically after 30 months of dialysis.
Are kidney transplants covered?
Yes. ACA plans cover transplant evaluation, surgery, hospitalization, and post-transplant medications including immunosuppressants.
How much does dialysis cost with insurance?
With Medicare + supplement: typically $0–$200/month out of pocket. With ACA Silver plan: cost-sharing applies until you hit OOP max.

Ready To Get Covered?

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