10-03-2026, 12:11 AM
末期腎病申請 Medicare：資格、生效與移植後保障分開查
末期腎病（ESRD）可能讓未滿六十五歲的人符合 Medicare，但並非所有腎病診斷都自動適用。官方要求永久腎功能衰竭、需要定期透析或已接受腎移植，並符合本人工作／福利紀錄，或相關配偶、受供養子女條件。
申請可找 Social Security，電話 1-800-772-1213。一般透析保障由第四個月開始，但合資格居家透析訓練及移植有不同生效規則。完整透析及移植相關福利需要 Part A 和 Part B；應請透析中心社工或 SSA 按個別日期核對，不自行停止其他保險或假定首日便受保。
若 Medicare 只因 ESRD 而有，通常於停止透析的月份之後十二個月，或移植月份之後三十六個月結束；原已有年齡或其他障礙資格者情況不同。特定免疫抑制藥物延續福利只保相關藥物，不替代完整醫保。手術、用藥及保險安排均須與醫療團隊及計劃確認。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.medicare.gov/basics/end-stage-renal-disease
English
ESRD Medicare: check eligibility, start dates and post-transplant protection separately
End-stage renal disease can establish Medicare eligibility before sixty-five, but a kidney-disease diagnosis alone does not qualify everyone. Medicare lists permanent kidney failure requiring regular dialysis or a transplant, plus qualifying work, benefit history or an eligible spouse or dependent-child relationship.
Contact Social Security at 1-800-772-1213 about enrollment. Coverage usually starts in the fourth dialysis month, with different rules for qualifying home-dialysis training and transplantation. Both Part A and Part B are needed for the full available dialysis and transplant benefits. Ask the facility's social worker or Social Security to check individual dates rather than cancel other insurance or assume first-day coverage.
When Medicare eligibility rests only on ESRD, it generally ends twelve months after the month dialysis stops, or thirty-six months after the transplant month. Existing age- or disability-based eligibility changes the analysis. A separate extended immunosuppressive-drug benefit covers those medicines rather than replacing comprehensive health insurance. Coordinate treatment, prescriptions and insurance transitions with the clinical team and plan.
Original publication date not established. Checked October 2, 2026. Official source: https://www.medicare.gov/basics/end-stage-renal-disease
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Vitaly Gariev / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/professiona...-36733328/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: Medicare.gov
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
末期腎病（ESRD）可能讓未滿六十五歲的人符合 Medicare，但並非所有腎病診斷都自動適用。官方要求永久腎功能衰竭、需要定期透析或已接受腎移植，並符合本人工作／福利紀錄，或相關配偶、受供養子女條件。
申請可找 Social Security，電話 1-800-772-1213。一般透析保障由第四個月開始，但合資格居家透析訓練及移植有不同生效規則。完整透析及移植相關福利需要 Part A 和 Part B；應請透析中心社工或 SSA 按個別日期核對，不自行停止其他保險或假定首日便受保。
若 Medicare 只因 ESRD 而有，通常於停止透析的月份之後十二個月，或移植月份之後三十六個月結束；原已有年齡或其他障礙資格者情況不同。特定免疫抑制藥物延續福利只保相關藥物，不替代完整醫保。手術、用藥及保險安排均須與醫療團隊及計劃確認。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.medicare.gov/basics/end-stage-renal-disease
English
ESRD Medicare: check eligibility, start dates and post-transplant protection separately
End-stage renal disease can establish Medicare eligibility before sixty-five, but a kidney-disease diagnosis alone does not qualify everyone. Medicare lists permanent kidney failure requiring regular dialysis or a transplant, plus qualifying work, benefit history or an eligible spouse or dependent-child relationship.
Contact Social Security at 1-800-772-1213 about enrollment. Coverage usually starts in the fourth dialysis month, with different rules for qualifying home-dialysis training and transplantation. Both Part A and Part B are needed for the full available dialysis and transplant benefits. Ask the facility's social worker or Social Security to check individual dates rather than cancel other insurance or assume first-day coverage.
When Medicare eligibility rests only on ESRD, it generally ends twelve months after the month dialysis stops, or thirty-six months after the transplant month. Existing age- or disability-based eligibility changes the analysis. A separate extended immunosuppressive-drug benefit covers those medicines rather than replacing comprehensive health insurance. Coordinate treatment, prescriptions and insurance transitions with the clinical team and plan.
Original publication date not established. Checked October 2, 2026. Official source: https://www.medicare.gov/basics/end-stage-renal-disease
Vitaly Gariev / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/professiona...-36733328/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: Medicare.gov
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.