For a patient under 65 with Medicare Part A and B who has started dialysis, what is the only applicable insurance in this scenario?

In the scenario presented, the focus is on a patient under 65 who has Medicare Part A and B and has started dialysis. For patients with end-stage renal disease (ESRD), Medicare is a primary source of health insurance coverage. Particularly, Medicare Part A provides coverage for inpatient hospital stays, while Medicare Part B covers outpatient services, including dialysis treatment.

As Medicare is designed to cover individuals with certain disabilities or medical conditions regardless of age, including those who are receiving dialysis, it is the primary insurance for this patient. Therefore, in this context, relying on the private insurance options mentioned would not provide the necessary coverage that Medicare does for the specific needs associated with dialysis.

The other insurance plans listed, such as Aetna, AARP, and Cigna, are private insurers and may offer supplemental coverage, but they do not serve as the primary insurance for patients already qualified for Medicare due to their condition. Thus, the emphasis on Medicare Part B as the only applicable insurance is appropriate, as it directly addresses the coverage required for a patient beginning dialysis while enrolled in Medicare.