Emp Book 2003

EMPLOYMENT

A Kidney Patient's Guide to Working & Paying for Treatment

EDUCATION EMPLOYMENT

EXERCISE

EVALUATION

ENCOURAGEMENT

Developed by the

Life Options Rehabilitation Program

Supported by the Forum of End Stage Renal Disease Networks Administered by the Medical Education Institute, Inc.

EMPLOYMENT

Employment:

A Kidney Patient's Guide to Working & Paying for Treatment

Developed by the Life Options Rehabilitation Program Supported by the Forum of End Stage Renal Disease Networks Administered by the Medical Education Institute, Inc.

Life Options Rehabilitation Advisory Council Members

Bryan Becker, MD, FACP University of Wisconsin ? Nephrology Madison, Wisconsin

Michael Klag, MD, MPH Johns Hopkins Medical Institutions Baltimore, Maryland

Sally Burrows-Hudson, MSN, RN, CNN Amgen Inc. Thousand Oaks, California

Donna Mapes, DNSc, RN Amgen Inc. Thousand Oaks, California

Mary Beth Callahan, ACSW/LMSW-ACP Dallas Transplant Institute Dallas, Texas

Stephanie McIntyre, RD Renal Care Group ? Phoenix Phoenix, Arizona

Jerry Fuller, MSW, LCSW Network 8, Inc. Jackson, Mississippi

Anita Molzahn, PhD, RN University of Victoria Victoria, British Columbia, Canada

Nancy Hoffart, PhD, RN Northeastern University Boston, Massachusetts

Jo Reeder, PT, MCSP UVA Health System Kidney Center Charlottesville, Virginia

Kirsten L. Johansen, MD University of California San Francisco San Francisco, California

Wendy Funk Schrag, LMSW, ACSW Renal Care Group Newton, Kansas

Carol A. Keller, MPA VA Network 23 Omaha, Nebraska

Nancy Spaeth, RN Virginia Mason Medical Center Seattle, Washington

Paul Kimmel, MD George Washington University Medical Center Washington, DC

Charlotte Thomas Hawkins, PhD, RN, CNN Rutgers University Newark, New Jersey

1

Emeritus Council Members

Christopher Blagg, MD Northwest Kidney Centers Seattle, Washington

Kenneth Chen, MS Amgen Inc. Thousand Oaks, California

Tony Messana, BSC Nephrology Consulting and Management Services, LLC Drexel Hill, Pennsylvania

Spero Moutsatous, MS Tampa, Florida

Ann Compton, RN, MSN, CNN Medical College of Virginia Richmond, Virginia

John Newmann, PhD, MPH Health Policy Research & Analysis, Inc. Reston, Virginia

Karen Daniels, MM Amgen Inc. Thousand Oaks, California

Edith Oberley, MA Medical Media Associates, Inc. Madison, Wisconsin

Peter DeOreo, MD Centers for Dialysis Care Mentor, Ohio

Nancy Gallagher, RN, BSN, CNN St. Joseph Medical Center FHS Tacoma, Washington

Peter Howell, MEd, MPA SC Vocational Rehabilitation Dept. West Columbia, South Carolina

Karren King, ACSW, LCSW Missouri Kidney Program Kansas City, Missouri

Nancy Kutner, PhD Emory University Atlanta, Georgia

Derrick Latos, MD, FACP Nephrology Associates, Inc. Wheeling, West Virginia

John Lewy, MD, FAAP Tulane University School of Medicine Department of Pediatrics New Orleans, Louisiana

Jill Lindberg, MD, FACP New Orleans, Louisiana

Maureen McCarthy, MPH, RD, CS Wilsonville Kidney Center Wilsonville, Oregon

Brian O'Moore Petaluma, California

Patricia Painter, PhD UCSF Transplant Service San Francisco, California

George Porter, MD Oregon Health Sciences University Portland, Oregon

Rosa Rivera-Mizzoni, MSW, LCSW ESRD Network of Florida, Inc. Tampa, Florida

John Sadler, MD Independent Dialysis Foundation Baltimore, Maryland

Michael Savin, PhD Amgen Inc. Thousand Oaks, California

Theodore Steinman, MD Beth Israel Hospital Brookline, Massachusetts

Sharon Stiles, BSN, RN, MS, CNN Intermountain ESRD Network, Inc. Denver, Colorado

Beth Witten, MSW, ACSW, LSCSW Witten and Associates, LLC Overland Park, Kansas

Frank Messana Amgen Inc. Thousand Oaks, California

2

Acknowledgments The Medical Education Institute, Inc. and the Life Options Rehabilitation Program wish to thank those who have made this booklet possible: ? The Forum of End Stage Renal Disease Networks for their generous

support of this project ? Amgen Inc. for supporting the Life Options Rehabilitation Program

and efforts to make rehabilitation a reality for people with chronic kidney disease ? Contributors and reviewers for their valuable input, including Roberta Bachelder, MA; Mary Beth Callahan, ACSW/LMSW-ACP; Brenda Dyson, BS; Miriam Greene, CRC; Lori Hartwell; Steve S. Horton, MA; John Nelson; and Wendy Funk Schrag, LMSW, ACSW ? The people with kidney disease who have so generously shared their stories: Brenda Dyson, Spencer Ellis, Mickey Sledge, Andy Stahmer, and Lydia White ? Life Options project staff, including Eva Duran; Dori Schatell, MS; and Beth Witten, MSW, ACSW, LSCSW

The information in this guide is offered as general background for people with kidney disease and does not constitute legal advice. Since government rules and laws cited in this booklet may change, contact the Social Security Administration (SSA) office, the Centers for Medicare and Medicaid Services (CMS), or other appropriate government office for current information. Neither the Forum of End Stage Renal Disease Networks, the Life Options Rehabilitation Program, nor the Medical Education Institute, Inc. are responsible for any loss in connection with, or as a result of, using this guide.

?1994, 1998, 2000 Amgen Inc. All rights reserved. ?2003 Medical Education Institute, Inc. All rights reserved.

3

TABLE OF CONTENTS

Introduction ......................................................................................7 Introducing the Life Options Rehabilitation Program .................................7 Introducing the End Stage Renal Disease Networks....................................8 Parts of this Booklet ..................................................................................8 Life with Kidney Disease.............................................................................9 Computers and Kidney Education ..............................................................9

PART I: PAYING FOR TREATMENT OF KIDNEY DISEASE............. ....................10 Chapter 1 ? Costs of Kidney Care .....................................................11

Doctor Visits ............................................................................................11 Blood and Urine Tests..............................................................................12 X-rays, Ultrasounds, Biopsies, and Other Tests.........................................12 Drugs.......................................................................................................12 Surgery for Dialysis..................................................................................14 Dialysis Treatments ..................................................................................14 Travel To and From Dialysis .....................................................................16 Kidney Transplant ....................................................................................16 Finding the Help You Need.......................................................................17

Chapter 2 ? Medicare, Medigap, and Medicaid.................................18 Eligibility for the Medicare ESRD Program...............................................18 Medicare Part A and Part B......................................................................19 When to Apply for Medicare.....................................................................22 How to Apply for Medicare ......................................................................23 When Medicare Coverage Starts ...............................................................24 When Medicare Coverage Ends ................................................................24 Medicare + Choice Plans.........................................................................26 Billing for Medicare Premiums ................................................................26 Your Rights Under Medicare....................................................................27 Medigap Insurance ..................................................................................28 Medicaid (Medical Assistance) ................................................................30

Chapter 3 ? Health Insurance ...........................................................32 Primary and Secondary Payment..............................................................32 Telling Care Providers About Your Insurance...........................................32 Taking Medicare if You Have Employer Health Insurance ........................33 Changing Jobs..........................................................................................34 Saving for Non-Covered Medical Expenses ...............................................35 Losing a Job: Your COBRA Rights............................................................35 Taking Your Health Insurance with You ...................................................37 State-level Resources for the Uninsured ...................................................38 State Child Health Insurance Program......................................................38 Health Coverage for Military, Dependents, or Veterans .............................39 Indian Health Service (IHS).....................................................................41

4

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download