It can be an overwhelming task to decipher which insurance option is right for you. There are many options available to kidney disease patients in Washington state, and our social work team is equipped to advise and assist in your application process.
Medicare and ESRD
Medicare is available to individuals under the age of 65 once they require regular dialysis and meet Medicare’s eligibility criteria. Medicare coverage goes into effect after the third month on dialysis and covers 80% of applicable charges. Your Mount Baker Kidney Center social worker will assess your need for Medicare and discuss if you qualify for this benefit; an application can be completed in our office.
If you’re covered by an employer or union group health plan, for the first 30 months you’re covered by Medicare, your employer or union group health plan will pay first and Medicare will pay second. For more information see the “Medicare and You” handbook, call 1-800-633-4227 or visit Medicare online for more information.
Medicaid is a joint federal and state program that helps pay medical costs for individuals with limited income and resources. Your Mount Baker Kidney Center social worker will discuss the income guidelines with you and provide instruction for how to apply.
Kidney Disease Program
The Washington state Kidney Disease Program (KDP) is a state-funded program that helps low-income residents with their costs for treatment of end stage renal disease (ESRD). An individual may be eligible if they are a Washington state resident with a household income at or below 200% of the federal poverty level. KDP is not insurance, but a program that can help pay for kidney related expenses such as health care premiums. Your social worker can discuss further details with you and provide instruction with your application.
Washington State Health Insurance Pool (WSHIP)
The Washington State Health Insurance Pool (WSHIP) is an independent, non-profit health plan created by the Washington State Legislature. WSHIP offers health insurance coverage to state residents who have been turned down for medical coverage due to medical reasons. For more information, discuss WSHIP and the application process with your Mount Baker Kidney Center social worker or visit the WSHIP website.