Insurance Your insurance company may pay some or all of your transplant costs. This includes the costs before, during and after your transplant. Read your policy and contact your insurance company if you have questions. Transplant center social workers and financial coordinators can help you with the information you need to complete this process. You and your family may have health insurance coverage through an employer or a personal policy.
Many insurance companies offer at least optional coverage for transplant costs.
However, the terms and benefits of insurance vary widely. The financial team at your transplant center will contact your insurance company to check on your benefits. They should be able to explain to you what is covered and what is not, at least while you are in the hospital. You may also need to call your insurance company to ask how much of your costs they will pay, including your lab tests, medications, and follow-up care after you leave the hospital. You are responsible for any costs not paid by your insurance, unless you have made other arrangements.