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Kidney Transplant Center

Insurance and Cost

As a transplant patient, you need to focus on your health, not financial worries. We’ll give you the peace of mind that you won’t end up with a financial burden after your transplant.

Saint Thomas Financial Coordinators Can Help

Saint Thomas benefit coordinators are available to help you understand costs covered by insurance and explore options for additional payment plans if needed. Financial coordinators can help you with answers to these common questions:

What part of the transplant cost is covered by my insurance? How does this apply to my deductible?
Coverage varies depending on the patient and the company. Most commercial plans cover solid organ transplants to a certain degree. To find out what your company covers, contact them directly.

What happens if my financial coverage runs out?
It is unusual to exceed the limits of your financial coverage, but if it happens there are other options available. We will be happy to find the best plan that fits your situation.

How much coverage will I receive for post-transplant medications? What is the co-pay amount?
This depends upon your insurance coverage. Most plans have predetermined benefits for the pharmacy network it covers.

What financial coverage is accepted by the hospital (such as Medicare, Medicaid, private insurance)?
Although your insurance company allows you to come to our facility for certain hospital services, you might not be covered for transplantation here. Often, the referring physician determines the location.

How much will the transplant cost? How much will I have to pay?
Although transplants are expensive, don't get discouraged. Your insurance company will pay a large part of your transplant costs. Your out-of-pocket costs depend upon your coverage (there is usually a maximum annual out-of-pocket cost).

Other Transplant-related Expenses

Daily expenses while you wait for your transplant are rarely covered by insurance. You’ll need to plan ahead for these costs:

  • Loss of income due to leave of absence from work
  • Child care (if appropriate)
  • Transportation to and from the hospital
  • Accommodation expenses or temporary housing expenses associated with being accessible to the Transplant Institute (for you and family members)
  • Food expenses for you or family support person
  • Post-transplant medication costs
  • Post-transplant follow-up tests and appointments