Transplant Finances

With expenses at every stage of the transplant journey, dealing with transplant costs can be a stressful process. But knowing what to look out for, creating a plan of action, and getting additional support from programs can help.

Also, you should see if you qualify for Medicare or Medicaid , which can help cover the costs of transplantation.

Costs to be aware of

  • Obtaining your organ
  • Transplant surgeons and operating room personnel
  • In-hospital stays
  • Laboratory tests
  • Transportation to and from the hospital for surgery and checkups
  • Housing if your surgery is out of town
  • Rehabilitation (might include physical or occupational therapy)
  • Anti-rejection medications
  • Other medications for health problems that could arise due to your lowered immune system

Creating a financial plan

It’s never too late to create a financial plan to cover the costs of your transplant. First, call your insurance company or reach out to your employer’s benefits office to find out what is covered under your plan. Plans vary considerably from one insurance company to the next, so it’s important to find out specific details of how your costs will be handled and what you’ll be responsible for.


Some people not only find it difficult to cover their portion of costs but also have trouble understanding healthcare financing and hospital billing systems. Fortunately, you won’t have to go through this process alone, because there are people who can help.

Financial Coordinators

Most transplant centers have financial coordinators who can help you:

  • Understand your insurance company's benefits and how they apply to your transplant surgery and medical follow-ups
  • Create a financial plan to pay for your transplant and nonmedical expenses
  • Locate additional sources of funding
  • Understand and, if necessary, correct bills from hospitals, doctors, pharmacies, and other providers

Not only are financial coordinators experts at navigating through hospital billing systems and healthcare finances, but they can also provide you with detailed information related to your financial needs. You might find it helpful to speak with them before making any financial decisions related to your transplant and to keep them informed as your financial needs change and evolve.

Transplant Social Workers

With all the costs associated with transplantation, it’s easy to become stressed and anxious. Transplant social workers can help you work through these emotions by providing you with resources to help you manage your financial issues. Some financial issues that might arise are:

  • Not being able to pay your medical bills
  • Having no way of getting to and from the transplant facility
  • Not having enough funds to meet your daily needs
  • Having nowhere to stay if you're an out-of-town patient or family member
  • Any reemployment issues after your transplant

Anything you discuss with your transplant social worker will remain confidential as long as it doesn't affect your medical care.