People with end-stage renal disease (ESRD) qualify for Medicare at any age. However, during the first 30 months of Medicare eligibility due to ESRD, Medicare Supplement insurers can deny coverage or charge more. After 30 months, guaranteed issue rights apply.
Key Points
- ESRD: qualifies for Medicare at any age
- First 30 months: Medicare Supplement insurers can deny coverage or charge more
- After 30 months: guaranteed issue rights apply
- Medicare Advantage: available for ESRD patients
- An independent agent can help ESRD patients find Medicare coverage