We have a knowledgeable financial coordinator and a social worker here at Lahey who will work closely with you to develop a plan that works best for your funding situation. Our dedicated financial coordinator will guide you through the entire process. They will also correspond with your insurance company to get information on benefits and getting approval for your transplant.
Transplants are very expensive, so you should make sure there are no special riders on your policy or limitations. Prescription coverage is very important, as the costs of transplant and anti-rejection medications are high. If you have an HMO or POS insurance plan, make sure you obtain all necessary referrals to avoid any billing issues. Our financial coordinator will guide you through these affairs.
If your health plan covers only partial costs, your social worker and/or financial coordinator can help you find ways to finance the out-of-pocket expenses. There are programs designed to assist transplant recipients with their unique financial needs.
Not having health insurance poses a challenge for patients in need of a transplant, but your financial coordinator can help you investigate a number of alternatives. These include:
You should apply for Social Security Disability Insurance. You will become eligible for Medicare coverage after receiving these Social Security benefits for two years. For more information, consult the websites for Medicare or the Centers for Medicare & Medicaid Services.
