- Understanding Chronic Kidney Disease
- Kidney Disease Stages
- What Is a Nephrologist?
- What to Expect with CKD
- Kidney Disease Management
- Understanding Acute Kidney Injury
- How Kidneys Work
- Take a FREE CLASS on Kidney Disease
Insurance & Managing CostsInsurance & Managing Costs
Medicare Advantage (MA) is an insurance option for people who are on Medicare and diagnosed with end stage renal disease (ESRD). Medicare Advantage, also known as Medicare Part C, is an all-in-one health insurance plan that combines the benefits of Medicare Parts A, B, and often D, into one convenient plan.
5 benefits of choosing Medicare Advantage
- Only one plan to manage—and one insurance card
- Some plans cost the same as or less than Medicare—with affordable premiums
- Many plans offer routine dental, vision, and hearing— additional benefits may be included
- You may save on prescription costs—including kidney medications and insulin
- Annual out-of-pocket costs are capped—to limit spending
What makes Medicare Advantage different from other Medicare plans?
Medicare Advantage replaces Medicare Parts A, B, and often D. Be sure to compare the benefits, costs, and potential savings of a plan before you make a change to your current coverage. Other factors to consider include:
- Choosing a Medicare Advantage plan with prescription coverage means you’ll be fully insured. You won’t need a separate prescription plan like Medicare Part D, which has its own premium.
- Medicare Advantage may include additional benefits you can’t get with traditional Medicare. These may include routine dental, vision, and hearing.
- Medicare Advantage plans are managed by private health insurance companies. Traditional Medicare plans are managed by the federal government.
- Medicare Advantage plans use networks like employer group health plans. When you choose in-network doctors, you avoid extra costs.
Am I eligible for Medicare Advantage?
If you already have Medicare Part A and Part B, you can choose a Medicare Advantage plan that’s offered in your area. People with ESRD who are eligible for Medicare can choose Medicare Advantage.
Get helpful answers to frequently asked questions
Click on a question to reveal the explanation.
Medicare Advantage plans can offer coverage, reduced premium costs, and the convenience of an all-in-one plan. It’s important to consider all costs when figuring out which health plan is right for your needs. To make sure you’re choosing your right coverage, contact your insurance coordinator, visit Medicare.gov, or talk to an independent licensed insurance agent for more information onMedicare Advantage.
When you review Medicare Advantage plans consider checking to see if you are eligible for Medicaid as a secondary insurance. An independent licensed insurance agency like SelectQuote can help you compare and purchase individual plans. They can also let you know if you are eligible for Medicaid in addition to Medicare Advantage. Call SelectQuote at 1-855-259-8449 (TTY:1-877-486-2048) or visit SelectQuote.com/FreseniusKidneyCare
Learn what CMS is saying about Medicare Advantage here.
Your current plan may be your right option—or you may find there’s another option that provides right coverage. Before you make a change, contact your insurance coordinator to help you compare your options and see the big picture before you make a decision and to check your eligibility.
If you already have Medicare and you’re diagnosed with end stage renal disease (ESRD), you are eligible for Medicare Advantage. Talk to your insurance coordinator or contact an independent licensed insurance agent for more information.
You may be able to save on prescription costs with Medicare Advantage. Be sure to ask about insulin savings through the Part D Senior Savings Model. Many prescription insurance plans across the country offer a broad set of insulins with out-of-pocket cost limited to $35 per month. Learn more at Medicare.gov or talk to an independent licensed insurance agent.
With a Medicare Advantage plan that includes prescription coverage, all of your coverage is in a single plan. You are considered fully insured—you will not need to purchase a separate prescription drug plan or Medicare Supplement plan. Because you are getting all your coverage benefits in 1 plan instead of several, you will have the convenience of 1 insurance card.
QUESTIONS ABOUT YOUR INSURANCE?
Talk to one of our insurance coordinators. We can help you understand your current coverage - and your insurance options.
COMPARE PLAN OPTIONS WITH SELECTQUOTE
Discuss your insurance coverage options with an independent, licensed insurance agent—like those at Select Quote. They can also let you know if you are eligible for Medicaid in addition to Medicare Advantage. Call 1-877-213-1342 or click below.
CONSIDERING A TRANSPLANT?
Be sure to check that your transplant center is in-network with your insurance plan.