Lumaktaw sa pangunahing content

Prescription Coverage for ESRD patients under Medicare











A patient who undergoes kidney transplant usually needs to take immunosuppressant drugs for the rest of their life to prevent their bodies from rejecting the donor organ. Medicare covers these drugs differently depending on their circumstances. Below are the types of Medicare coverage;
Time-limited Part B coverage                             
If you receive a kidney transplant in a Medicare-approved facility, Medicare Part B will cover your immunosuppressant drugs for 36 months after your hospital departure if:
  •    You had Part A at the time of your transplant
  •    You have Medicare Part B when getting your prescription filled
  •    You are only eligible for ESRD Medicare if your kidney transplant was successful, your       Medicare coverage will end 36 months after the month of your transplant.

If you did not have Medicare when you had a transplant, you can enroll retroactively in Part A within a year of your transplant.

Lifetime Part B Coverage
If you receive a kidney transplant in a Medicare-approved facility, Part B will cover your immunosuppressants for the rest of your life if:
  • ·         You had Part A at the time of your transplant
  • ·         You have Medicare Part B when getting your prescription filled
  • ·         And, you qualify for Medicare based on age or disability


Part D coverage
When you had a transplant, and you had no Part A coverage, your immunosuppressants will be covered by Part D after the transplant. Part D coverage for this type of drug typically means higher costs and additional restrictions, such as having to go to specific in-network pharmacies for your drugs.
All Part D formularies must include immunosuppressant drugs. This means your plan may need to verify that Part B will not cover your drugs before providing coverage. Be sure to look for plans that have the fewest coverage restrictions and that have your pharmacies in the preferred network.

Group health plan Coverage
If you have a group health plan either job-based, retiree, or COBRA coverage, your plan should cover your immunosuppressants during the 30-month coordination period. Medicare will be secondary during this period, however, after 30 months, it will become your primary insurance, and Part D should cover your immunosuppressants.

Vitamins for dialysis patients
Patients on dialysis typically need to take various vitamins after each session to replenish the vitamins in your blood. Medicare usually does not cover vitamin supplements, but some Part D plans may offer enhanced coverage that includes vitamins, however, this Enhanced Part D plans are usually more expensive. Check the plan’s formulary before joining to see if your vitamins are covered.



Mga Komento

Mga sikat na post sa blog na ito

Durable Medical Equipment and Medicare

Medicare   Part B  covers the D urable Medical Equipment (DME).   These are equipment that serves a medical purpose, able to withstand repeated use, and is appropriate for use in at home.  There are many important things to know about Medicare’s coverage for DME. Below are pieces of information that will help you know whether/how you are covered. Eligible equipment Medicare’s DME benefit does not cover all medical equipment.  Medicare only covers DME if your  provider  says it is  medically necessary for use in the home . You also must order your DME from suppliers who contract with  Original Medicare  or your  Medicare Advantage  Plan . However, Medicare Advantage Plans may have additional requirements you need to meet before your DME is covered. DME coverage Depending on what type of equipment you need, Medicare will require that you either rent or buy DME. There are also special rules when you need oxygen equipment...

Medicare & group health plan after you retire

Will my group health plan still work after I retire? It would depend on the terms of your specific plan. Other employers might not offer any health coverage after your retirement and even if you can get one, it might have different rules and might not work the same way with Medicare. When you have retiree coverage from an employer or union, they usually manage this coverage. Employers aren't required to provide retiree coverage, and if they would, they can change benefits or premiums, or even cancel coverage.  They may offer coverage that limits how much it will pay. It might only provide a stop-loss coverage that starts paying your out-of-pocket costs only when they reach of coverage that's covered. What happens to my retiree coverage when I'm eligible for Medicare? When you become eligible for Medicare, you will need to have both Medicare Part A and Medicare Part B to get full benefits from your retiree coverage. If your former employer offers retiree...

Medicare Part D Costs for 2020

Before 2006, Medicare did not cover prescription medications. There was a limited number of medications that were offered under Medicare Part Band,  and otherwise, you had to pay for your medications out of pocket. In 2003, everything had changed when President George W. Bush passed the Medicare Prescription Drug, Improvement, and Modernization Act (MMA). This is what we now know of as  Medicare Part D , an optional part of Medicare that provides prescription drug coverage. Part D plans are run by private insurance companies and not by the government. However, the federal government sets guidelines on what basic medications are covered and how much you can be charged.  A deductible is the amount of money you spend out of pocket before your prescription drug benefits begin. Your plan may or may not have a deductible. The maximum deductible a plan can charge for 2020 is set at $435. It has increased by  $20 from 2019...