Questions to Ask
Questions to Ask Your Transplant Financial Coordinator
- How much will the transplant cost? How much will I have to pay?
- What financial coverage does the hospital accept (such as Medicare, Medicaid, private insurance, etc)?
- What happens if my financial coverage runs out?
- Will the costs vary if I have a living donor?
Questions to Ask Your Insurance Company
- Will my insurance cover me throughout the transplantation process?
- Am I covered for a transplant right now, or do I have to wait a certain period of time (pre-existing exclusion clause)? If yes, how long?
- Do I need authorization (approval) before I have a transplant?
- Do I need to notify you when I am admitted to the hospital? How soon after I am admitted?
- Do I need a second opinion? If so, who will pay for it?
- What do I do if I run out of insurance money?
- How are the costs of the transplant applied to my deductible?
- What happens if I change jobs or lose my job? Will it affect my insurance?
- How can I cut down on insurance expenses to make sure my coverage lasts as long as I need it?
- What pre- and post-transplant tests are covered? Do I need to go to a certain facility for these tests to be covered?
- Are expenses for food, housing and transportation covered while I wait for my transplant?
- How much coverage will I receive for post-transplant medications? What is the co-pay amount?
Questions to Ask When Choosing a Fundraising Organization
- Are you a 501(C)(3) (tax-exempt) organization? If so, can people who donate to my fund use the amount of money they donate as an income tax deduction?
- What type of account will be used?
- How can I find out how much money is in my account?
- Who has access to my funds?
- Are there any additional fees?
- What are my options if I don't receive a transplant or don't need all the money?
- Can I talk to other patients you have helped?
- Who should I call if I have questions or problems?
- What is the process of paying my bills with these funds?
- Will you check my bills for accuracy?
- What other services do you have available?
- Can you refer me to other sources for financial help?
United Network for Organ Sharing (UNOS) is committed to providing accurate and reliable information for transplant patients. The content on this page was originally created on July 10, 2003 by UNOS and last modified on June 4, 2008.
This web site is intended solely for the purpose of electronically providing the public with general health-related information and convenient access to the data resources. UNOS is not affiliated with any one product nor does UNOS assume responsibility for any error, omissions or other discrepancies.