Does anyone know if ESRD patients in home programs have any better chances of getting a life insurance policy than patients in-center, considering the improvement in health?
Even transplant recipient may find that they have to go through insurance underwriting and pay more for a life insurance policy, at least for a while following transplant than someone who is reportedly in good health. I doubt that the life insurance industry knows anything about longer/more frequent dialysis and the benefits so far as hospitalizations and survival. You may want to contact your state insurance department to find out what companies registered in your state sell life insurance policies to people with chronic health conditions. You can find a map on the National Association of Insurance Commissioners’ website that links to contacts and/or websites (www.naic.org). Once you find a company, you might ask who you would need to send data to about the survival benefits of these treatments.