If you have been approved for a lung transplant and are going to be placed on the organ waiting list, you will need to prepare yourself financially and clarify your insurance coverage while you wait for your transplant.

The transplant Patient Financial Advocate and the transplant coordinator are always available to answer your questions and address your concerns, but you will also need to contact your insurance company to clarify your coverage.

The following questions will help you sort out your insurance coverage and help you plan for the expenses of transplantation.

Questions for your insurance company

  • What part of the transplant cost is covered? How does this apply to my deductible?
  • What is the on my insurance coverage? What happens if my financial coverage runs out?
  • How can I cut down on insurance expenses to make sure my coverage lasts as long as I need it?
  • How will a change in my job status affect my insurance? What would the increase be in my deductible?
  • What pre- and post-transplant tests are covered? Do I need to go to a certain facility for these tests to be covered?
  • Does my plan cover the expenses incurred by my organ donor?
  • Are assistive breathing devices covered by my insurance plan?
  • Are expenses for food, housing, and transportation covered while I wait for my transplant?
  • How much coverage will I receive for post-transplant medicines? What is the co-pay amount?

Questions to ask your transplant Patient Financial Advocate

  • What financial coverage is accepted by the hospital (such as Medicare, Medicaid, private insurance)?
  • How much will the transplant cost? How much will I have to pay?

Transplant-related expenses to consider

  • Loss of income due to leave of absence from work
  • Child care (if appropriate)
  • Transportation to and from Cleveland Clinic’s Transplant Center for you and your support person
  • Emergency visits to the Transplant Center
  • Parking expenses for visits to the Transplant Center
  • Accommodation expenses or temporary housing expenses associated with being accessible to the Transplant Center (for you and family members)
  • Long-distance telephone expenses if relocation is necessary (to be more accessible to the Transplant Center)
  • Food expenses for family support person
  • Post-transplant medicine costs
  • Post-transplant follow-up tests and appointments

For more information

Cleveland Clinic
Transplant Patient Financial Advocate
216.444.9286 or 1.800.223.2273, ext. 49286

National Foundation for Transplants
5350 Poplar Ave. Suite 430
Memphis, TN 38119
1.800.489.3863 or 901.684.1697

National Transplant Assistance Fund
150 N. Radnor Chester Road Suite F-120
Radnor, PA 19087

The Tiger Fund
Helping Needy Organ Donor and Transplant Families
934 N. University Dr., Suite 451
Coral Springs, Fl 33071

Transplant Foundation, Inc.
701 W. 27th Ave. Suite 705
Miami, FL 33135
305.817.5645 or 1.866.900.3172

© Copyright 1995-2016 The Cleveland Clinic Foundation. All rights reserved.

This information is provided by the Cleveland Clinic and is not intended to replace the medical advice of your doctor or health care provider. Please consult your health care provider for advice about a specific medical condition. This document was last reviewed on: 6/20/2015…#9973