It is important for you to have a complete understanding of what your insurance benefits cover and what expenses are your responsibility. Terms and coverage for transplantation vary widely among insurance companies. Read your policy and talk to your insurance company's benefits office to understand your coverage.
Many insurance companies have a co-payment for services or a deductible. Some insurance companies have a lifetime maximum on transplant benefits and caps on medication coverage.
Medications can create a financial strain on you and your family after transplant. These medications are required for the rest of your life. It is very important that you understand what kind of medication coverage your insurance benefits offer and have a clear understanding of what medication costs are your responsibility.
Other costs to consider
For patients living far away, other costs to consider when you are here in Portland, not only for yourself but for your support person and family members as well include:
- Loss of wages for you and your support person
Our financial coordinator is an invaluable resource for the transplant team and yourself. They, along with the transplant social worker, will help you with any questions you have regarding the costs of transplantation. Because transplantation is very complex, it may take several weeks to determine your eligibility and coverage. If you do not have enough coverage, we will try to help you find possible alternatives and resources. If resources cannot be identified, you may be responsible for a deposit of funds in advance of your evaluation.
After your transplant
After you receive your transplant, you continue to be responsible for understanding your insurance benefits, and to inform our office of any changes to your coverage. Benefit coverage can change from year-to-year, so it is important to contact your insurance provider periodically to confirm your benefits.