The Kidney TRUST
kidneytrust.org/new/enews/2009-03/financial-assistance-dialysis-private-insurance/

Financial Assistance Program to Help Dialysis Patients Maintain Private Health Insurance

The Kidney TRUST is piloting a new Financial Assistance Program (FAP) for people on dialysis who are having trouble managing co-pays, co-insurance and deductibles for medical treatment, services, and prescription drugs that are covered under their private health insurance plan.

To date 176 grants have been awarded.  As one grant recipient has recounted, “The grant was simply a godsend for me and the entire family.  We were really struggling.  I was starting to think about skipping some of the drugs I was supposed to be taking and splitting pills to make them last.  With the grant, all the worry went away.  It was really the missing piece of the puzzle for me.”

The 2009 FAP pilot is being conducted in selected counties in California (Los Angeles and Orange Counties), Colorado (Arapahoe and Denver Counties), and Texas (Bexar & Harris Counties).   More information about the program is available on our website at www.KidneyTRUST.org.

The purpose of the program is to:

  • Help dialysis patients manage financially while maintaining their private insurance coverage, which generally is more comprehensive with a wider range of provider choices than Medicare coverage.
  • Address the problem of patients discontinuing vital drugs and/or treatments because they cannot afford increasingly high co-pays and deductibles.
  • Enable patients to continue working.

To be eligible for a pilot FAP grant in 2009/2010, applicants must:

  • Be on dialysis.
  • Have primary health insurance coverage through an employer group health plan (EGHP) or COBRA.  Primary insured may be self, spouse, parent, domestic partner or guardian.
  • Have a household income that is no higher than 600% of the Federal Poverty Level.
  • Complete the FAP application form, including all supporting documentation.
  • Be resident in one of the target counties in California, Colorado or Texas.
  • Applicants who are not eligible for other medical assistance programs will be given preference.