Financing Your Heart Transplant
The cost of a transplant and follow-up care varies across the country and by organ type. Even before your transplant, these costs can add up quickly. Few patients are able to pay all of the costs of transplantation from a single source. Most likely, you will have to rely on several sources.
At Cedars-Sinai, your personal Transplant Financial Counselor will be available to help you navigate this process.
Here are some costs* before and after your transplant for you to keep in mind:
- Pre-transplant evaluation and testing
- The hospital stay and surgery
- Additional hospital stays for complications
- Follow-up care and testing
- Anti-rejection medication and other drugs
- Fees for surgeons, physicians, radiologist and anesthesiologist
- Fees for the recovery (procurement) of the organ from the donor
- Physical, occupational and vocational rehabilitation
- Insurance deductibles and co-payments
- Transportation to and from your transplant center, before and after your transplant.
- Child care
- Lost wages if your employer does not pay for the time you or a family member spends away from work
- If your transplant center is not near your home, you may need to set up some sort of residence near the center, before and immediately after your transplant.
Common funding sources:
- Insurance policies
- Extending insurance coverage through COBRA or supplemental plans
- Medicare and Medicaid
- CHAMPUS and TRICARE
- Veterans Administration (VA)
- Fundraising campaigns
- Prescription drug assistance programs
- Other sources of income
Care Following Transplantation:
Programs that can help finance your care after transplantation:
- Social Security coverage for the disabled
- Americans with Disabilities Act (ADA)
- Federal Rehabilitation Act (FRA)
*NOTE: This is a brief summary of expenses to consider and is not intended to provide complete information. Contact your personal transplant financial counselor and your insurance provider or employee benefits officer for the latest information or help.