Also, you should see if you qualify for Medicare or Medicaid , which can help cover the costs of transplantation.
It’s never too late to create a financial plan to cover the costs of your transplant. First, call your insurance company or reach out to your employer’s benefits office to find out what is covered under your plan. Plans vary considerably from one insurance company to the next, so it’s important to find out specific details of how your costs will be handled and what you’ll be responsible for.
Some people not only find it difficult to cover their portion of costs but also have trouble understanding healthcare financing and hospital billing systems. Fortunately, you won’t have to go through this process alone, because there are people who can help.
Most transplant centers have financial coordinators who can help you:
Not only are financial coordinators experts at navigating through hospital billing systems and healthcare finances, but they can also provide you with detailed information related to your financial needs. You might find it helpful to speak with them before making any financial decisions related to your transplant and to keep them informed as your financial needs change and evolve.
With all the costs associated with transplantation, it’s easy to become stressed and anxious. Transplant social workers can help you work through these emotions by providing you with resources to help you manage your financial issues. Some financial issues that might arise are:
Anything you discuss with your transplant social worker will remain confidential as long as it doesn't affect your medical care.