Self-employed Health Insurance and Dialysis for End-stage Renal care
May 20th, 2009
Being self-employed is often a very rewarding job. You can work for yourself even if you have some health care issues, such heart, and end stage renal disease. Many people who are dependent upon home dialysis can still lead fairly active lives. They don’t have to worry about how they will pay for their treatments, if you have a self employed health insurance and dialysis care is needed you can get care through home dialysis treatments. The beauty of home dialysis is the freedom you have. You can be self-employed, if you like, and still have the convenience of dialyzing at home, rather than spending hours in a clinic being hooked up to an artificial kidney machine.
Working is good therapy for people who are dependent upon dialysis for life support. Whether they work for a company, or they are self-employed, working gives people on dialysis an edge that non-working dialysis patients don’t have. The incidences of health care issues are less prevalent in dialysis patients who work. For instance, depression is an almost constant companion of folks on dialysis. Two of the most difficult health care regimens, concerning dialysis patients, are the strict diet and the controlled fluid intake. The loss of control over their lives can be emotionally trying. Dialysis patients feel much better when they have something to do (not associated to their state of health).
To feel you have no control over your health can seriously affect your peace of mind. Having the freedom to dialyze at home helps ease some of the stress of being restricted in other areas of your life. If your doctor diagnosed you with end-stage renal failure, you will automatically be covered by Medicare, which is a federally funded form of health insurance. No matter how old or young you are, you will qualify for Medicare coverage, which will pay about 80 percent of your health care expenses. Your personal health insurance or health insurance for self-employed people will cover what Medicare does not pay.
There are several types of hemodialysis for people who want to have the freedom to work for themselves. If end-stage renal patients have Medicare and a supplemental health insurance, their combined health coverage will pay for all or most of their health care costs. One type of dialysis treatment is home hemodialysis (HHD), and another type is peritoneal dialysis (PD). HHD is similar to being dialyzed at a clinic. Patients are connected to a dialysis machine through shunts that were surgically implanted in their vascular system. Peritoneal dialysis is one of the least restrictive.
From a health care standpoint, peritoneal dialysis offers you, as an end stage renal patient, more choices, because you don’t have to stay home. You can drive, go to work, and go on trips. You are not connected to a machine with peritoneal dialysis. With PD you have a port surgically implanted in your abdomen. You pass a catheter into your abdomen; then you administer a solution (through a bag that resembles an IV bag) that will draw the excess fluids, salts, and impurities out of your blood. The waste materials collect into the abdomen over the course of 30 to 40 minutes. After the dialysis time as elapsed, you empty the wastes by lowering the bag to allow the fluids to drain out. In all, there are 5 different types of home dialysis. Supplies for home hemodialysis and peritoneal dialysis are very expensive. The cost would be picked up in part by Medicare, and your personal health insurance plan, or your health insurance for the self-employed.
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