A kidney transplant is a complicated and costly procedure. Before you start your clinical evaluation, you need to ensure you have proper financial coverage. The Transplant Center that you will be referred to won’t start any clinical or social evaluation before they get the approval of your insurance. The transplant center and insurance company will know about costs associated with the procedure and who will cover them.
These are some questions that should be answered after your first appointment with your Transplant Center Financial Counselor:
- What will the total cost of the transplant be?
- Who covers the cost?
- What type of insurance do you accept? Private? Medicare? Medicaid? AHCCCS?
- What happens if my insurance company says I have exhausted my benefits?
- Will I pay more or less if I have a living donor?
- 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?
- 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 is a transplant cost factored into my deductible?
- 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?
It is important that you understand all aspects of the transplant process, and the financial aspect is important before and after the transplant. The Social Worker assigned to your case can help you to understand your responsibility during this process.