• Financing Your Liver Transplant at Lahey

    If your doctor says you need a liver transplant, your emotions can range from being frightened to feeling hopeful and everything in between. When dealing with concerns about your medical condition, the last thing you want to worry about is how much your liver transplant will cost. 

    At Lahey, we have a knowledgeable support team, including a social worker and a financial coordinator, who will help you get the answers to your questions. Lahey’s transplant financial coordination team will work with you to develop a plan for paying for your liver transplant and your medications.

    If You Have Insurance Coverage 

    Liver transplantation is very expensive, so you should make sure there are no special riders or limitations on your policy. Prescription coverage is imperative, as the cost of transplant medicines is high. If you have an HMO or POS insurance plan, make sure you obtain all necessary referrals to avoid any billing issues. If your health plan only covers partial costs, your social worker and/or financial coordinator can help you find ways to finance out-of-pocket costs. There are programs designed to assist transplant recipients with their unique financial needs.

    If You Do Not Have Health Insurance Coverage 

    Not having health insurance poses a challenge for patients in need of liver transplantation, but your financial coordinator can help you investigate a number of other options, such as state or federal funding and assistance through charitable organizations or advocacy groups.

    Check with your local Medicaid office for eligibility; this is based primarily on income.  In addition, most states have a High-Risk Insurance Pool for individuals with pre-existing conditions who need to purchase an insurance plan. Check with your state’s Insurance Commissioner for more information.

    On the Internet, you can log onto your state’s website, where you will find links to government agencies for insurance or health care. You may also consult your local phone book for agency listings under the government section. There are several agencies that will assist you in fundraising, and we can provide you with information on these resources. If you are out of work due to disability, you should apply for Social Security Disability Insurance. You will be eligible for Medicare coverage after receiving these Social Security benefits for two years.

     

     

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