You have been diagnosed
with kidney disease. At some point, the government will be part of your life—either now or in the future.
When you reach End Stage Renal Failure, you will become involved with the Social Security
Medicare which will provide maintenance kidney dialysis and transplant
You can view the government publication,
MEDICARE, Coverage of Kidney Dialysis and Kidney Transplant Services,
or you can link to my text-based version of
Dialysis. It can be the mainstay of your life when your kidneys
fail or the bridge to keep you going until you receive a
A Guide to Work, Insurance, and Finance for People on Dialysis
contains a lot of helpful information.
If you are pre-ESRD, now is the time to do
some financial planning. If you work for a commercial company,
they will probably cover most of your medical expenses. However,
if you are completely dependent on Medicare, it will pay 80% of your
medical costs. Don't wait until you are sick to think about
how to manage your medical expenses. Consider these suggestions:
- Start working on getting out of debt
now--credit cards first!
- Evaluate your work skills.
Could these skills be translated into part-time work or working
from your home should you not be able to maintain a full
time job? If not, consider going back to