American Kidney Fund asks CMS to protect ESRD patients’ rights to insurance choice and charitable assistance FOR IMMEDIATE RELEASE Comment on HHS notice of benefit and payment parameters for 2018 warns against rules favorable to insurers at the expense of vulnerable patients ROCKVILLE, Maryland (October 10, 2016) – The American Kidney Fund (AKF) is calling on the Obama Administration to ensure that kidney patients and people with other chronic conditions continue to have the same freedom of choice in insurance coverage as all Americans, even if they need charitable assistance to afford it. In its comment letter filed with the Centers for Medicare & Medicaid Services (CMS) on the 2018 Notice of Benefit and Payment Parameters (NBPP), AKF asked CMS to promulgate a final rule that strengthens the ability of patients with end-stage renal disease (ESRD) to choose a Qualified Health Plan (QHP) as their primary insurer—not only in theory, but also in practice, by guarding patients against unfair insurer billing practices and by protecting patients’ right to use charitable assistance to afford premiums. “The reasons ESRD patients might want to choose a Qualified Health Plan in the Marketplace are numerous,” AKF said.

The nonprofit noted that even though most ESRD patients can become eligible for Medicare regardless of age, the federal government has recognized their unique circumstances through long-established law and regulations giving them a choice between Medicare and private coverage. CMS and the IRS have affirmed that ESRD patients may enroll in the Marketplace. The majority of ESRD patients choose Medicare, but, some may instead opt for a Marketplace plan for any one of a number of compelling reasons. Halo 2 Xbox Iso Torrent Download on this page. Medicare supplemental coverage (Medigap) is not available to ESRD patients under 65 in about half of the states, exposing these individuals to a 20 percent out-of-pocket cost burden that has no limit. Medicare provides individual coverage, but younger ESRD patients often need a plan offering family coverage. Marketplace plans may offer lower out-of-pocket costs for medications, a particularly important consideration in a patient population that has numerous co-morbidities, including diabetes and hypertension. CMS observed in its proposed rule that some insurance companies have a provision in their individual health insurance policies indicating that the insurance plan will pay secondary to Medicare not only for individuals who are currently covered by Medicare, but also for those who could obtain Medicare coverage but are not currently covered.

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The Mummy Returns 2001 Torrent Download there. CMS asked for comment on this practice. “We are deeply concerned about the effect of such provisions on the ESRD patient population,” AKF responded to CMS. “In developing such provisions, insurers are burdening ESRD patients with high out-of-pocket costs that will effectively force them onto Medicare or will leave them with devastating medical bills. Such provisions are a de facto way of allowing insurers to relieve themselves of covering high-cost ESRD patients.” Halt insurer restrictions on charitable assistance AKF commended the Administration’s recent efforts to ensure the Marketplace remains an attractive market for insurers and an affordable option for consumers.