ESRD, Medicare and lost employer health plan will cost my wife her life

It looks like we made a huge mistake and my wife lost coverage through my employer plan and can't get back on Medicare. It will likely cost her her life.

My wife was diagnosed with kidney failure and went on dialysis in 2021. The kidney clinic suggested it would be cheaper to sign up for Medicare because the premiums would be cheaper than the deductible for my employer group health plan. So we went on Medicare in 2022. I paid premiums but my employer health plan continued to pay claims. When I asked why, they told me the group plan was the 'primary' player and Medicare was 'secondary'.

My wife ended up getting a transplant a few months later luckily. I paid Medicare premiums for another year or so and they never paid any claims. We felt like it was a waste of money. I finally submitted a form to cancel Medicare. This was our critical mistake but didn't realize it at the time.

This year, the employer health plan started denying claims saying: 'Member is eligible for Medicare Part B but does not have Medicare Part B'. I thought it was a mistake and called them. They said, no, my employer plan was primary and to have providers resubmit claims.

Last month, my wife was diagnosed with liver and kidney failure and began dialysis again. She was approved by another hospital for a liver transplant. We waited for 2 weeks for a final go-ahead. The delay was due to insurance we finally found out. In reality. Medicare switched to 'primary' after a 30-month 'coordination period' and the employer plan started denying all claims. since we don't have Medicare Part B. The hospital suggested she enroll in Part B again. We tried. Normally, dialysis is a valid reason for immediate enrollment but because we cancelled last year, we were denied. We continue to appeal to the employer health plan but they just give us the run around. Sometimes they even say they are primary payer again – only to find out that was incorrect later. It's so frustrating.

The rules and process have become more clear now – after many frantic hours of research and phone calls. My wife has continued outpatient dialysis for the last couple of weeks but now that it's clear that she's not covered, she'll probably have quit to go on hospice. I feel so stupid. My wife will pass and we'll be saddled with outrageous bills. This feels like a nightmare I can't wake up from.

submitted by /u/Firm-Plan6449
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