Insurance & Financial Resources for Dialysis

Insurance & Financial Resources for Dialysis

DCL is committed to providing services without discrimination based upon race, color, religion, gender, national origin, or payer.

DCL believes that all patients deserve access to high-quality dialysis care, regardless of payment source. Our team will work closely with you and your insurer to address financial concerns with your care. DCL offers financial assistance for those who qualify.

Ways to Pay For Dialysis

Dialysis is generally paid for by Medicare and/or other insurance. All plans vary, so your insurance coverage will depend on your plan. It is important to bring your insurance cards the first day you come for dialysis to determine your coverage as soon as possible.

When starting dialysis, your social worker will help answer questions about your insurance situation. If you have specific questions, please reach out to The Dialysis Center of Lincoln INC billing office at (402)489-5339.

Employer Group Plan

Employer health insurance pays at its defined rate. Benefits vary greatly between plans. You can choose whether or not to take Medicare after checking with your plan regarding this requirement. Please contact your insurance company(s) to check coverage; following your insurance company’s instructions will help minimize costs.


To qualify for Medicare coverage, you have to have a diagnosis of ESRD/Medicare-covered transplant. Generally, you need 40 quarters, 20 of which were earned in the last ten years ending with the year you become disabled. You typically earn four quarters in a year. Medicare is available regardless of age if other qualifications are met. Spouses and dependents can be covered utilizing the other spouse/parents Coverage begins 90 days after initiation of dialysis. Exception: Home Dialysis - No 90-day waiting period.

Dialysis is covered under Part B.

Medicare covers 80% of dialysis.

  • Medicare Part A is Hospital Insurance
  • Inpatient expenses, home health, and hospice
  • No premium
  • Has a Deductible

Medicare Part B is Medical Insurance.

  • 80% of dialysis costs, doctor bills, and other outpatient services
  • Premium $170.10 (2022)

Your application should be completed through the local Social Security Office.

Medicare Advantage Plans

Another way to get your Medicare Part A and Part B coverage are through Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” offered by Medicare-approved private companies that must follow the rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest costs.

These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services to help protect you from unexpected expenses. Some plans offer out-of-network coverage, but sometimes at a higher cost.

Nebraska Medicaid

Nebraska Medicaid offers joint federal and state programs based on income/assets. Nebraska Medicaid will pay for dialysis or transplantation if a person is not eligible for Medicare. Nebraska Medicaid pays the 20% that Medicare doesn’t cover.

Applications are submitted through the Nebraska Department of Health and Human Services.

Veterans Administration

If you are a Veteran and your kidney disease is service-connected, you may be eligible for treatment at a VA Hospital. If the distance is prohibitive, the VA will contract with a dialysis unit to provide service. If not, service-connected kidney disease may still be eligible for dialysis if a room is available in the program. There is some coverage for prescription drugs.

DCL Financial Assistance Form

As a part of our commitment to provide high-quality dialysis health care, Dialysis Center of Lincoln offers financial assistance to all that qualify.

The level of assistance provided is based on federal poverty guidelines.  If your income is at or below 150% of the federal poverty guideline, you are eligible for 100% financial assistance.  If your income is between 151-300% of the federal poverty guideline, you are eligible for a sliding fee scale reduction in charges.

If you do not have insurance, you are never charged more for services than the amount generally billed to those who have insurance. 

Please print and complete the form below and return it to your dialysis clinic with all required verification documents.

Personal Financial Statement Form (English)

Personal Financial Statement Form (Spanish)