Transplant requires a life-long commitment on the part of patients and their support people. Understanding insurance benefits, anticipating transplant-related costs and figuring out how to manage those costs puts patients in a better position to take care of themselves, and their new organ, after transplant.
Depending on health insurance coverage, these costs may be covered in full or in part by an insurance plan. Patients are advised to take the time to investigate their insurance benefits and be aware of their co-payment responsibilities, deductibles, out-of-pocket maximums and limits of coverage.
In addition to medical costs, there are other some potential cost areas to consider, including child care, insurance premiums, lost wages and lodging and meals for patients and caregivers.
All transplant patients are advised to make long-term financial plans for transplant. Patients whose financial or insurance situation is uncertain are frequently recommended to engage in fundraising efforts to establish a "safety net" of funds they can access for post-transplant costs. Your transplant social worker can help you with the financial planning as well.