Transplantation involves costs before, during, and after the actual transplant surgery. These costs are the responsibility of the recipient, not the donor. Costs include:
For a list of important questions to ask your insurance company, visit transplantliving.org.
Planning for transplant surgery requires financial planning. Health insurance may cover some or most of the costs, but insurance policies vary widely. Call your insurance company or your employer's benefits office to get detailed information about how your insurance company handles the costs related to your specific situation. For a list of important questions to ask your insurance company, visit transplantliving.org.
In general, you are responsible for any costs not covered by insurance. You need to think about what resources you will use to pay the costs not covered by insurance. These resources may include savings, sale of property, or other sources.
Fortunately, you do not need to face these decisions alone. Members of the transplant team, such as the transplant center's social worker and financial coordinator (see below), can help you develop a financial plan and may be able to put you in touch with organizations that provide financial assistance to transplant recipients.
The financial coordinator at a transplant center is a member of the transplant team. Financial coordinators have detailed information and experience with health care financing and hospital billing. It is helpful to speak with the financial coordinator before making financial decisions related to your transplant and to keep the coordinator up to date as your financial plans evolve.
The financial coordinator can help you:
More detailed information on finding financial resources for a transplant may be found at:
Medicare is a federal program, and Medicaid is operated by individual states. Both are health insurance programs that can help eligible people pay for the costs of transplantation.
Medicare is available for people age 65 or older, peop