A kidney transplant is a complicated and costly procedure. To ensure you have proper financial coverage, talk to your transplant center and insurance company about costs associated with the procedure and who will cover them.
Transplant Center Financial Coordinator Questions
- What will the total cost of the transplant be?
- Who covers the cost?
- What type of insurance do you accept? Private? Medicare? Medicaid?
- What happens if my insurance company says I have exhausted my benefits?
- Will I pay more or less if I have a living donor?
Insurance Company Questions
- Does my insurance provide coverage for the entire transplant process?
- Is there a pre-existing condition clause or can I get the transplant right now?
- Do I have to get approval or authorization before the transplant?
- How soon after I am admitted to the hospital do I need to notify you?
- Must I get a second opinion regarding the transplant? If so, do you cover it?
- What happens if the insurance money runs out?
- How are the transplant costs factored into my deductable?
- If I change or lose my job, how is my coverage affected?
- Are there ways to keep my insurance costs down so I can stretch the coverage out as long as possible?
- What pre and post-transplant tests do you cover? Do I need to go to a certain facility for them?
- While waiting for the transplant, are any of my food, housing or transportation costs covered?
- What coverage do you provide for post-transplant medications? What is my co-pay?