ESRD With Medicare and Medicaid: How Dual Coverage Reduces Costs
If you qualify for both Medicare and Medicaid with ESRD, you have dual eligibility. Medicare pays primary for most covered services. Medicaid may cover costs Medicare doesn't — including Part B premiums, deductibles, and copayments — significantly reducing your out-of-pocket costs.
Frequently Asked Questions
- What is dual eligibility with ESRD?
- Dual eligibility means you qualify for both Medicare and Medicaid. With ESRD, Medicare is your primary insurance for covered services. Medicaid may cover costs Medicare doesn't, including premiums, deductibles, and copayments.
- Does Medicaid trigger the 30-month ESRD coordination period?
- No. Medicaid is not active employer group health coverage. Medicare is the primary payer from the start of ESRD eligibility when Medicaid is your only other coverage.
- How do I find out if I qualify for Medicaid with ESRD?
- Medicaid eligibility depends on your income, assets, and state of residence. Contact your state Medicaid agency or a SHIP (State Health Insurance Assistance Program) counselor for help with eligibility and enrollment.