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Current and past health problems don’t bar anybody from Medicare coverage or cause anybody to pay higher premiums or copays than somebody who is in perfect health.
However, if you have advanced kidney failure (known as end-stage renal disease or ESRD) you cannot enroll in a Medicare Advantage plan. Nonetheless, you can still get the appropriate treatment — regular dialysis or a kidney transplant — through the original Medicare program. Also, if you develop ESRD while enrolled in a Medicare Advantage plan, you can remain in it.
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