Financial Considerations

Basic Information

• Costs of Transplantation
  Transplantation is a covered expense for most insurance companies. The costs of transplantation varies on a case to case basis and is negotiated with the individual insurance carriers by the transplant financial counselor. Click for more...

• Developing Your Financial Strategy
  You or your family may have health insurance coverage through an employer or a personal policy. Many insurance companies offer at least optional coverage for transplant costs. Click for more...

• Important Contacts
  It is helpful to seek information and assistance from a number of individuals and groups before making financial decisions. Click for more...

• Transplant Financial Resources
  The following organizations may provide financial assistance to transplant candidates or recipients and their families. Click for more...

Questions to Ask

• Questions to Ask Your Transplant Center Financial Coordinator
  Who is my financial coordinator at the hospital? If I have questions or problems, how can I contact him or her? What is your average cost for a pre-transplant evaluation? Click for more...

• Questions To Ask Your Insurance Company
  If you have private insurance, you may want to give your policy a "check-up." Don’t hesitate to ask your insurance representatives questions. Click for more...

Ways of Financing Your Transplant

• Extended Coverage Through COBRA
  If you are insured by a group health plan (medical, dental or vision) through your place of work and you must leave your job or have your work hours reduced, you and your family may qualify for extended coverage through COBRA. Click for more...

• Medicare and Medi-Cal
  State and federal government funding is another possibility for coverage under two programs: Medicare and Medi-Cal are available to patients and families with no other resources to meet their expenses. Click for more...

• TRICARE
  Government funding for families of active duty, retired or deceased personnel may be available through TRICARE. Click for more...

• Social Security Coverage for the Disabled
  The Social Security Administration provides general financial assistance and medication grants to transplant patients. Supplemental Security Income (SSI) makes monthly payments to disabled individuals with few assets and low incomes. Click for more...

• Charitable Organizations
  Charitable organizations offer different types of support. Some provide information about diseases of certain organs or about a particular type of transplant and encourage research into these diseases and treatments. Click for more...

• Advocacy Organizations
  Advocacy organizations advise transplant patients on financial matters. They should be able to provide supporting information and background documentation to prove they are legally recognized to help those in need. Click for more...

• Fund Raising Campaigns
  Patients and families often use public fund raising to help cover expenses not paid by medical insurance. This may be a key source for financing transplantation. Click for more...