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Liver transplant costs may be covered by a health insurance policy, a managed care plan, a government medical assistance plan or other means. Please contact the USC Liver Transplant Program if you have any questions regarding financial support available to you. We work with a full range of third party payers, and will work with you to develop a financial plan for your particular coverage. This includes understanding how transplant-related charges will be paid, as well as how to cope with such things as transportation and caring for children or other family members during this time.
Costs related to transplant include evaluation and testing, transplant surgery and hospitalization, follow-up care and medication. A patient's insurance coverage plays a vital role, whether it is through a private company or a governmental program. It is important that each patient fully understand his or her coverage.
Here are some of the most important questions to ask your insurance company as you begin to consider transplant as a treatment option.
- Is transplant a covered benefit?
- Is there a maximum allowance on transplant and transplant-related services?
- Is there a maximum allowance on procurement of the organ?
- Is there a lifetime maximum or "cap" on the policy?
- Is there adequate coverage for post-transplant medications?
- What is the annual "out of pocket" maximum amount on the policy?
In the event that the patient does not have access to adequate insurance coverage for transplant, there may be other avenues to obtaining support to offset the expenses related to transplantation. These include charitable organizations, advocacy groups, or fund-raising campaigns. For more information, please contact us at (323) 442-5908 or e-mail us at uscliver@surgery.hsc.usc.edu
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