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Frequently asked questions

Questions to ask

Below are a few important questions you should ask your transplant financial coordinator, insurance provider, and fundraising organizations regarding finances:

 

Questions to ask your transplant financial coordinator

  • How much will the transplant cost?
  • How much will I have to pay out of pocket?
  • What financial coverage does the hospital accept (such as Medicare, Medicaid, private insurance, etc)?
  • What happens if my financial coverage runs out?
  • Will the costs vary if I have a living donor?

Questions to ask your insurance provider

  • Will my insurance cover me throughout the transplantation process?
  • Am I covered for a transplant right now, or do I have to wait a certain period of time (pre-existing exclusion clause)? If yes, how long?
  • Do I need authorization (approval) before I have a transplant?
  • Do I need to notify you when I am admitted to the hospital? If so, how soon after I am admitted?
  • Do I need a second opinion? If so, who will pay for it?
  • What do I do if I run out of insurance money?
  • How are the costs of the transplant applied to my deductible?
  • What happens if I change jobs or lose my job? Will it affect my insurance coverage?
  • How can I cut down on insurance expenses to make sure my coverage lasts as long as I need it?
  • What pre- and post-transplant tests are covered?
  • Do I need to go to a certain facility for these tests to be covered?
  • Are expenses for food, housing, and transportation covered while I wait for my transplant?
  • How much coverage will I receive for post-transplant medications?
  • What is the co-pay amount for transplant related medications?

Questions to ask when choosing a fundraising organization

  • Are you a 501(c)(3) (tax-exempt) organization? If so, can people who donate to my fund use the amount of money they donate as an income tax deduction?
  • What type of account will be used?
  • How can I find out how much money is in my account?
  • Who has access to my funds?
  • Are there any additional fees?
  • What are my options if I don’t receive a transplant or don’t need all the money?
  • Can I talk to other patients you have helped?
  • Who should I call if I have questions or problems?
  • What is the process of paying my bills with these funds?
  • Will you check my bills for accuracy?
  • What other services do you have available?
  • Can you refer me to other sources for financial help?

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