• Financing Your Kidney Transplant

    If you are facing kidney failure and are considering a kidney transplant, the last thing you want to worry about is how much your transplant will cost.
    At Lahey, we have a knowledgeable support team, including a dedicated transplant social worker and a financial coordinator, who will help you get the answers to your questions. Lahey's transplant financial coordinator will work with you to develop a plan for paying for your kidney transplant and your medication.  

    If You Have Insurance Coverage 

    Kidney 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 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.

    If You Do Not Have Health Insurance Coverage 

    Not having health insurance poses a challenge for patients in need of kidney transplantation, but your financial coordinator can help you to 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, which is based primarily on income. In addition, most states have a High-Risk Health Insurance Pool for individuals with preexisting 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 can also consult your local phone book for agency listings under the government section.

    There are several agencies that will assist you in fund raising, 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 become eligible for Medicare coverage after receiving these Social Security benefits for two years.

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