If you are in the USA, you qualify for Medicare coverage when you are diagnosed with ESRD end-stage renal failure or or failing kidneys and your doctor has written an order (prescription) for dialysis treatments. For people already on Medicare, coverage starts right away. For those under 65, coverage will not start until the fourth month of dialysis. If we reach dialysis or transplant we get full coverage from medicare for 36 months. If we have another insurance other than medicare, then becomes secondary for 30 months and primary for final six months.