Stage 5 Chronic Kidney Disease "CKD"

Stage 5 Chronic Kidney Disease "CKD": Medicare Options, Treatment, Life Expectancy of End-Stage Renal Disease "ESRD"

Are you living with Stage 5 chronic kidney disease?

If so, there are a few options for how to handle Medicare. These include the following:

To make this decision, it is crucial to understand your treatment options and what kidney failure life expectancy looks like after starting peritoneal dialysis or kidney transplantation.

The National Institute of Diabetes and Digestive and Kidney Diseases is a valuable resource for Medicare Beneficiaries to review as they conduct research and provide funding related to CKD.

Let’s jump in and discover more about the health problems kidney disease can cause and what options are available.

Table of Contents

Medicare covers chronic kidney disease

What is Stage 5 Chronic Kidney Disease "CKD"?

Stage 5 kidney disease is a serious condition that can lead to death if not treated. Symptoms of stage 5 kidney disease include increased blood pressure, fatigue, nausea, and vomiting. If left untreated, stage 5 kidney disease can damage other organs in the body and result in death.

There are two main types of stage 5 renal failure: compensated and decompensated. Compensated renal failure means that the kidneys have stopped working but have started to recover; this type of renal failure is usually milder than decompensated renal failure. Decompensated renal failure means that the kidneys have stopped working completely and there is no chance for them to recover; this type of renal failure is often fatal.

There are several treatments available for stage 5 kidney disease, including dialysis (a treatment where waste products are removed from the blood through machines), transplantation (the transfer of tissue or organs from one person to another), and chemotherapy (drugs used to treat cancer).

Most people with stage 5 kidney disease will require some form of treatment before they die; however, there’s still hope for many patients with ESRD.”

What are the Symptoms of Stage 5 CKD?


The symptoms of stage 5 kidney disease may include extreme fatigue, fever, chills, shortness of breath, confusion, lightheadedness/fainting spells, swollen ankles/feet (oliguria), rapid weight loss or gain (hyperadrenocorticism), dark urine (hematuria), and increased thirst (polydipsia). If you notice any of these symptoms in yourself or a loved one who is experiencing stage 5 kidney disease, please consult a healthcare professional as soon as possible for further evaluation.

Weight loss

The most common symptom of stage 5 kidney disease is weight loss. This can be due to a number of reasons, including the decreased production of protein and the inability to absorb nutrients from food.

Weight loss can also be a sign that something else is wrong with your health – such as anemia or dehydration – and should be evaluated by a doctor. If you are experiencing significant weight loss, it’s important to discuss your symptoms with your doctor so that they can determine the best course of action for you.

Changes in urination

The symptoms of stage 5 kidney disease can include changes in urination, such as increased frequency, volume, or intensity.

As the disease progresses, the kidneys may no longer be able to remove waste from the body effectively. This can lead to changes in urination – such as an increase in frequency, volume, or intensity.

Stage 1 through 5 kidney disease

What is the Life Expectancy for Stage 5 Chronic Kidney Disease?

The life expectancy for stage 5 kidney disease is around 10 years.

There is no definitive answer to this question because the life expectancy for end-state kidney disease can vary depending on a person’s individual health and medical history.

However, as long as a person has access to quality care and receives regular treatment, they are likely to have a good prognosis for their overall health.

In general, people with stage 5 kidney disease may experience significant physical and emotional challenges, but with proper medical care and support, they can often live relatively normal lives for many years.

What are the Treatment Options for stage 5 Kidney Failure?


Stage 5 kidney disease is a serious condition that can damage the kidneys over time. Dialysis is one of the many treatment options available to help people with stage 5 kidney disease survive. Patients on dialysis help clean the blood by removing waste and toxins from the blood. This process helps to keep people healthy and able to live their lives as normally as possible.

There are different types of dialyzers, which determine how often and how much dialysis a person needs. Each person’s individual needs will vary, so it is important to discuss your specific situation with a doctor or dialyzer specialist before choosing a treatment plan.

Dialysis can be very expensive, but it is usually covered by insurance policies or government programs in countries where it is typically provided as part of healthcare services.

Conservative management

Conservative management is usually the first step taken when treating stage 5 kidney disease. This approach involves taking medications to reduce the amount of urine produced and following a strict kidney disease diet to help reduce the amount of waste that is created.

The goal of conservative management is to slow down the progression of the disease while still allowing the patient to live as normal a life as possible. While this approach may not cure stage 5 kidney disease, it can help prolong someone’s life by delaying the need for more drastic treatments.

There are several different types of medications that can be used in conservative management, and each one has its own set of side effects and benefits. It is important to carefully consider which medication will work best for your individual situation before starting it.

Conservative management may not be ideal for everyone, but it is an option that should be considered when treating stage 5 kidney disease.

Checklist Difference Between Medigap and Advantage Plans

What are the Medicare options for End-Stage Renal Disease "ESRD"?

Medicare Coverage for Stage 5 Kidney Disease

Medicare provides coverage for a wide range of medical expenses, including those related to kidney disease. In most cases, Medicare will cover the costs of dialysis treatment and other renal care services.

There are a few restrictions that apply to Medicare coverage for stage 5 kidney disease. Medicare does not provide coverage for long-term care facilities. It is critical to have a Long Term Insurance policy in place prior to becoming sick and turning 65 years old.

If you’re age 65 or over and have stage 5 kidney disease, it’s important to discuss your insurance options with your doctor or healthcare provider. You may be eligible for benefits through Medicare and each Medicare plan option have its pros and cons.

What is covered under Medicare for stage 5 kidney disease?

Medicare is a government-run health care program that provides coverage for people aged 65 and over and individuals under 65 with certain disabilities. People with stage 5 kidney disease can receive treatments such as dialysis, transplants, and medications to help them maintain their health.

Medicare also covers a range of other medical expenses, such as doctor visits and prescription drugs.

Medicare Advantage Plan Coverage for State 5 Kidney Disease

Dialysis patients want to ensure they have the best health insurance coverage to increase their kidney function and survival rate.

Medicare Advantage plans are a type of health insurance that offer benefits similar to those provided by Original Medicare. Medicare Advantage plans replace Original Medicare benefits, however, they are required to provide the same benefits as Original Medicare.

While they are required to provide the same medical benefits, they can restrict doctor access and limit medical facilities they will approve under their plans.

End-stage renal disease is a serious condition affecting the Medicare population that can require regular dialysis or a kidney transplant. If you’re diagnosed with stage 5 kidney disease, you may be eligible for Medicare coverage through a Medicare Advantage plan. Prior to 2022, there were specific Medicare Advantage plans available, now all Medicare Advantage plans are accessible for those with kidney disease in the United States.

As most Medicare Advantage plans are part of an HMO, it will be critical to verify your physicians including your kidney doctor, hospitals, and medical facilities are included in your plan.

You will also want to review the coverages related to chronic renal failure and how much treatment under the Medicare Advantage plan will cost. Medicare Advantage plans can charge a 20 percent coinsurance, copay, and deductibles up to the annual max out-of-pocket costs. While they are picking up 80 percent of the cost of end-state kidney treatment, the costs they pass on can add up quickly.

Original Medicare with a Medigap Plan G Benefits for State 5 Kidney Disease

The Original Medicare program offers benefits for cardiovascular disease and kidney disease patients who are 65 years of age or under 65 with a qualifying disability such as end-stage kidney failure. This includes coverage for hospital stays and doctor visits.

Medigap plans are insurance policies that supplement Original Medicare by covering the costs not covered by Medicare. Medigap plans can be purchased from private insurers however, most Medicare Beneficiaries purchase Medicare Supplement plans through a Medicare Broker / Insurance Agent. By utilizing an independent Medicare insurance agent they have the freedom to shop all available plans in your area, allowing them to find the best Medicare plan for your specific medical needs.

With Original Medicare and a Medigap Plan G, you have the freedom to see any doctor in the united states that specializes in kidney damage. These doctors have the freedom to develop a treatment plan based on their professional medical opinion without interference from the insurance company.

Medigap Plan G will cover all costs related to your dialysis therapy minus your annual Medicare Part B deductible of $233 for the 2022 plan year. If you live with a Kidney problem, you need to have the ability to be covered by the best kidney disease program available in order to prolong your life.

Original Medicare with a Medigap plan may be the total Medicare solution you need to increase your mortality rate.

What are the Costs of Kidney Disease?

There are many different costs associated with kidney disease, including medical expenses, prescription drugs such as blood pressure medicines, and dialysis treatments. to clean your blood.

The costs can vary depending on the treatment you choose. Dialysis is the most common treatment for early-stage renal failure, but it can be expensive. 

A successful kidney transplant is usually the best option for people who have advanced renal failure or end-stage renal disease. A liver transplant may also be an option if someone has advanced-stage renal failure due to cirrhosis or other diseases that damage their kidneys.

The cost of dialysis and other treatments will depend on your health insurance plan and whether you have any special needs such as diabetes or hypertension.

Many people with kidney disease need long-term care after they recover from their illness, and without a long-term care insurance policy, these costs can add to the overall cost of care.

People with CKD will also incur additional costs based on the new eating plan which could be an added expense and is designed to slow down the disease and help prolong life.

Man Running to reduce chance of ESRD

How can Kidney Disease be Prevented: Risk Factors for CKD

There is no one-size-fits-all answer to this question, as the best way to prevent kidney disease depends on the individual’s lifestyle and health history.

However, some tips that may help decrease your risk include:

  1. Being physically active every day
  2. May involve limiting your intake of sodium and processed foods
  3. Maintaining a healthy weight throughout your life
  4. Quitting smoking tobacco products
  5. Drinking alcohol in moderation if you do drink it at all

More than 15% of the adult population in the United States, or 37 million people, suffer from chronic kidney disease (CKD). The risk for Kidney disease is greater than ever because of the increasing incidence of hypertension and diabetes. As the prevalence of kidney failure continues to rise, more people are developing end-stage renal disease (ESRD).

Kidney Disease Facts

  1. Many people with the condition don’t know they have it.
  2. Kidney diseases kill more Americans than breast or prostate cancer
  3. Kidney disease is more common than diabetes.
  4. One in three American adults is at risk for kidney disease due to diabetes, high blood pressure, a family history of kidney failure or being age 60 or older.
  5. High blood pressure and diabetes are the two leading causes of kidney disease.
  6. More than 600,000 Americans currently suffer from kidney failure—that’s about 1 in every 9 deaths due to kidney failure each year
  7. Millions more are affected by chronic kidney disease (CKD) that can lead to an early death.
  8. Kidney disease occurs when the kidneys cannot filter
  9. ESKD, also known as end-stage renal disease (ESRD), affects 786,000 people in the United States, with 71% on dialysis and 29% awaiting a kidney transplant.

What are the Risks of Kidney Disease?

The risk of death from kidney disease is high, and it’s important to understand what factors increase that risk. Some of the most common risks include complications during treatment, cardiovascular problems, and infections.

You need to be aware of all your options and carefully weigh the benefits and risks before making a decision about treatment.

You can reduce your risk of dying from stage 5 kidney disease by following your doctor’s instructions closely, staying as healthy as possible while you’re on dialysis, and receiving regular medical checkups.

Risk of heart attack with ESRD

What are the Complications of End-Stage Kidney Disease?

The complications of stage 5 kidney disease can be serious and life-threatening. They can include high blood pressure, heart attack, stroke, and death. These conditions may occur due to the kidneys no longer being able to function properly as a result of the disease.

It’s vital to work with your treating physician to help you decide which treatment will be best for you to maintain life as you once knew it. Ask your doctor about how Medicare coverage can help provide either dialysis or transplantation in order keep them alive.

What is the Prognosis for Kidney Disease?

The prognosis for stage 5 kidney disease is guarded, and presently there is no cure. However, treatment options are available that can improve the patient’s quality of life.

Some people with end-stage kidney disease may require lifelong treatment to maintain their health. But with proper care and treatment, many people living with this condition have a good quality of life despite limited mobility and few long-term prospects for improvement.

Medicare Agent

How to Sign Up for a Medicare Plan with End-Stage Kidney Disease?

If you have end-stage kidney disease, you may be eligible for a Medicare plan.

You will need to sign up for Medicare Part A and Part B in order to have both hospital and doctor visits coverage. You will also need Part D prescription drug coverage to help contain your pharmacy costs.

Once you have signed up for Medicare Part A & B, reach out to Integrity Now Insurance Brokers for assistance in finding the best plan for you.

As a reminder, you have access to either Original Medicare with a Medigap plan or you can leave Original Medicare and sign up for a Medicare Advantage plan. In both instances, you are required to maintain your enrollment into Medicare Part A and Medicare Part B.

One of our Medicare Insurance Agents will also assist you in finding the best Part D plan based on the medications you are taking.

Reach out to us today at 562-735-3553 or complete our online quote request form.