We’re seeing an alarming new trend of End Stage Renal Disease (ESRD) patients facing discriminatory policies by insurers. In several states, the kidney patient community has identified insurance plans discriminating against ESRD patients through several methods. The policies mislead consumers into believing that Medicare is an added benefit of their insurance, without disclosing downsides, to convince consumers to sign up for Medicare. Policies also penalize consumers who do not enroll by using non-negotiated set payments rates for dialysis providers and subjecting patients to the remainder of the charges billed by the dialysis provider. These costs are not applied to the patient’s out-of-pocket maximum.
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