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Preparing for the Cost of a Transplant

The cost of a transplant and follow-up care varies by type of organ transplanted and location of the transplant center. There are different sources of funding, including insurance and financial assistance programs. The transplant center social workers and financial coordinators can help you plan ahead.

What questions should I ask about the cost of a transplant?

Here are some important questions to consider asking before your organ transplant surgery. You may want to bring these with you to your meeting with your transplant financial coordinator.

  • What is the average cost of a transplant, including care required before and after the transplant?
  • Is treatment for my medical diagnosis covered?
  • Will I have to pay for a portion of the costs? If so, about how much?
  • What insurance does the hospital accept (eg, Medicare, Medicaid, private insurance, etc)?
  • What can I do if my insurance coverage runs out?
  • Does my insurance cover expenses such as travel, food, and lodging while I am at the transplant center? Will it cover these expenses for my family?
  • If my insurance covers travel, food, and lodging costs, how much will it pay? Will it cover the cost of a person to come with me?
  • Will my insurance require pre-approval for any of my treatments?

    Insurance Information

    You may have health insurance through an employer or a personal policy. The benefits of insurance plans vary widely.


    Financial Assistance

    Whether you have insurance that covers an organ transplant or not, there are financial assistance programs that may be able to help you pay out-of-pocket costs.