Compare plans today.


Does Medicare Cover Dialysis For Acute Renal Failure?

Christian Worstell

by Christian Worstell | Published October 26, 2023 | Reviewed by John Krahnert

Medicare covers dialysis for beneficiaries with end stage renal disease (ESRD), the final stage of acute renal failure. 

Medicare Supplement Insurance (Medigap) can help pay for your dialysis Medicare costs, such as deductibles, coinsurance, copays and more.

Patient in hospital gown smiles as he speaks with two nursesMedicare typically covers dialysis for beneficiaries with ESRD.

When Does Medicare Pay for Kidney Dialysis?

Medicare coverage for your kidney dialysis may depend partly on your age.

  • If a Medicare beneficiary is age 65 or older, dialysis is available immediately.

  • If the beneficiary is under 65, Medicare will pay for dialysis starting the first day of the fourth month of treatments. Waiting periods may apply to those under the age of 65. 

You must receive services and supplies from Medicare-approved facilities, doctors and vendors for dialysis to be covered by Medicare.

Medicare patients under age 65 can qualify for home dialysis, and services will be covered by Medicare from the first month of treatment.

There are three requirements for home dialysis:

  1. The beneficiary takes part in a home dialysis training program in a Medicare-approved training facility

  2. The beneficiary begins training before the third month of dialysis treatments

  3. The beneficiary expects to do dialysis treatments in the home

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:


How Much Does Dialysis for Acute Renal Failure Cost With Medicare?

Even if your dialysis for ESRD is covered by Medicare, there are some costs you should expect to pay out of pocket, including:

  • Medicare Part A deductible, which is $1,632 per benefit period in 2024

  • Medicare Part B deductible, which is $240 per year in 2024

  • Medicare Part A coinsurance, which is structured as follows in 2024:

    • $0 for days 1-60 spent in a hospital

    • $408 for days 61-90 

    • $816 per each "lifetime reserve day" after day 90 for each benefit period 

    • all costs beyond lifetime reserve days

Medicare Supplement Insurance (Medigap) can help cover some of these out-of-pocket costs. There are 30 states that mandate Medigap plan availability to recipients younger than 65 who have ESRD.

Find Medicare Supplement Plans That Help Cover Your Dialysis Costs

Each of the 10 standardized Medigap plans that are available in most states provide at least partial coverage for the Medicare Part B coinsurance or copayments you might face when you receive covered renal dialysis treatments.

A licensed agent can help you decide on a Medicare option that works for you. Call today to speak with a licensed agent and compare the Medigap plans that are available where you live.


Find Medigap plans that cover dialysis Medicare costs.

Compare Plans
Or call 1-800-995-4219 to speak with a licensed insurance agent.


Christian Worstell is a health care and policy writer for He has written hundreds of articles helping people better understand their Medicare coverage options.

Resource Center

Medicare Preventive Benefits

As a Medicare beneficiary, you may be eligible for a range of preventive health services. Medicare Part B (Medical Insurance) provides coverage for the following. Read more
Email newsletter

Get a Free Medicare Guide!

Enter your email address and get a free guide to Medicare and Medicare Supplement Insurance, as well as important Medicare news and tips. We promise to never send you spam – just helpful content!

By clicking "Get your guide" you are agreeing to receive emails from

We've been helping people find their perfect Medicare plan for over 11 years.

Ready to find your plan?

Or chat about my options with an agent