Financial Advice

Insurance, Aid and Resources

Kidney Transplant Costs & Insurance Information

The UMC Center for Transplantation offers dedicated transplant financial service representatives and social workers who can assist you with insurance and financial questions regarding your transplant.

The UMC Center for Transplantation works with many insurance companies. Some insurers require referrals or may have additional requirements for certain medical care. Many insurance companies require you to get preapproval authorization prior to transplant services.

Insurance Information

Before your transplant, it’s important that you work closely with your insurance company to understand your benefits plan. You will be responsible for any of your transplant and medical care costs not covered by your insurance company. You may want to ask your insurance company several questions regarding your transplant expenses, including:

  • What is the specific coverage of my plan? What are my deductibles, coinsurance, copayments, lifetime maximum amount, and annual maximum amounts for both medical care and transplant services?
  • Does your medical insurance use UMC in-network for transplant services in addition to general medical services? Or does your medical insurance utilize a special network just for transplant services?
  • Does my plan have a preexisting or waiting period clause? If so, what is the time frame? Can this be waived?
  • Does my plan include pharmacy coverage? If so, will my plan cover my current medications and immunosuppressant medications?
  • Does my plan require any special approvals for evaluation or transplant? How long does the approval process take once submitted to insurance?
  • Does my plan cover my transportation and lodging expenses during my transplant care?
  • Does my plan include coverage for my living donor's transplant-related medical care costs?
  • Does my current insurance require enrollment in Medicare when eligible?
  • Does my insurance follow Medicare Coordination of Benefits guidelines?
  • How will my current coverage change after enrolling in Medicare? Will my plan become a supplemental or secondary plan?

If your plan is a Medicare supplement, ask several questions, including:

  • Does my plan follow Medicare guidelines?
  • Does my plan cover Medicare Parts A and B deductible and coinsurance?
  • Does my plan have a preexisting or waiting period? If so, what is the time frame?
  • Does my plan offer an option for Medicare Part D coverage?

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