Does job-based or Marketplace insurance cover dialysis?

Yes, dialysis is covered, with cost sharing. Commercial plans cover dialysis. If you have kidney failure, you can also qualify for Medicare; employer coverage is primary for a 30-month coordination period. Cost: Expect your deductible, then a copay or coinsurance. Ask the plan for a negotiated estimate before care.

Does Original Medicare cover dialysis?

Yes, Medicare covers dialysis, and kidney failure itself can qualify you for Medicare. Medicare covers in-center and home dialysis, supplies, and training. Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.

Does Medicare Advantage cover dialysis?

Yes, Medicare covers dialysis, and kidney failure itself can qualify you for Medicare. Medicare covers in-center and home dialysis, supplies, and training. Medicare Advantage plans must cover this too, but set their own copays and often require in-network providers and prior authorization. Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.

Does Medicaid cover dialysis?

Yes, Medicaid covers dialysis. If you have both Medicare and Medicaid, Medicaid may also pay your share of Medicare’s costs.

Is dialysis covered by insurance?

Kidney dialysis at a center or at home. Here’s how each kind of plan usually handles it.

Ask a specific question Plan a visit: cost and doctors Check it against my plan

Employer or MarketplaceCovered with conditions
Yes, dialysis is covered, with cost sharing.
More details
Commercial plans cover dialysis. If you have kidney failure, you can also qualify for Medicare; employer coverage is primary for a 30-month coordination period.
Cost: Expect your deductible, then a copay or coinsurance. Ask the plan for a negotiated estimate before care.
Original MedicareUsually covered
Yes, Medicare covers dialysis, and kidney failure itself can qualify you for Medicare.
More details
Medicare covers in-center and home dialysis, supplies, and training.
Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.
Medicare AdvantageUsually covered
Yes, Medicare covers dialysis, and kidney failure itself can qualify you for Medicare.
More details
Medicare covers in-center and home dialysis, supplies, and training. plans must cover this too, but set their own copays and often require providers and prior authorization.
Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.
MedicaidUsually covered
Yes, Medicaid covers dialysis.
More details
If you have both Medicare and Medicaid, Medicaid may also pay your share of Medicare’s costs.

Plan type	How it’s usually covered
Employer or MarketplaceCovered with conditions	Yes, dialysis is covered, with cost sharing. Commercial plans cover dialysis. If you have kidney failure, you can also qualify for Medicare; employer coverage is primary for a 30-month coordination period. Cost: Expect your deductible, then a copay or coinsurance. Ask the plan for a negotiated estimate before care.
Original MedicareUsually covered	Yes, Medicare covers dialysis, and kidney failure itself can qualify you for Medicare. Medicare covers in-center and home dialysis, supplies, and training. Cost: Generally 20% of the Medicare-approved amount after the Part B deductible.
Medicare AdvantageUsually covered	Yes, Medicare covers dialysis, and kidney failure itself can qualify you for Medicare. Medicare covers in-center and home dialysis, supplies, and training. plans must cover this too, but set their own copays and often require providers and prior authorization. Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.
MedicaidUsually covered	Yes, Medicaid covers dialysis. If you have both Medicare and Medicaid, Medicaid may also pay your share of Medicare’s costs.

What usually has to be true

Use a certified dialysis facility in network.

Good to know

People with end-stage renal disease can enroll in Medicare at any age.

Hospital stay · Inpatient admission to a hospital.

Sources

Typical rules for 2026 plans, checked against these sources on October 20, 2026. Your plan’s own documents decide.

1
What Marketplace plans cover
HealthCare.gov
Marketplace plans cover outpatient care, hospitalization, mental health care, prescription drugs, rehabilitation, laboratory services, preventive services, and other essential benefit categories.
2
Dialysis services and supplies
Medicare.gov
Medicare covers inpatient and outpatient dialysis and home dialysis supplies for people with end-stage renal disease.
3
Compare Original Medicare and Medicare Advantage
Medicare.gov
Medicare Advantage plans cover everything Original Medicare covers (except hospice, which Original Medicare continues to pay), usually use provider networks, often require referrals or prior authorization, and may offer extra benefits such as dental, vision, and hearing.
4
Mandatory and optional Medicaid benefits
Medicaid.gov
States must cover mandatory benefits such as inpatient and outpatient hospital care, physician services, laboratory and X-ray services, home health, and nursing facility care; many other benefits, including adult dental, vision, and prescription drugs coverage details, are state options.

General information about how coverage usually works, not a decision about your plan. Your plan documents and insurer have the final word.

Is dialysis covered by insurance?

What usually has to be true

Good to know

Related

Sources