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How much does a transplant typically cost? And how will I pay for all of this?
Get a copy of your insurance policy if you don’t have one. If you are insured through work, your employer is required to provide you with a copy of your policy. Review it carefully to determine what is covered and what is excluded. If you are uncertain about your coverage, ask your medical provider or insurance
If your insurance company rejects coverage of the stem cell procedure, ask for a written explanation. Find out how to appeal this denial. Whether there is an appeal process or not, ask your doctor or hospital to formally request coverage
If there is notice of an appeal, and you cannot get a quick reversal, continue to follow the appeal process. At this point, your doctor and transplant center should also be providing the insurer with scientific support information and include a
If your health insurance is paid through your employer, ask if they can and will make efforts to help. Sometimes the employer may pay for treatment rather than work with the insurer. At other times, the employer can put pressure on the insurer, particularly if the employer spends a lot on health benefit coverage.
At some point, it may be advisable to consult an attorney. The attorney will require information to determine if the insurer is being discriminating in its policies. It is possible in some areas that laws protecting disabled persons may apply. The definition of who is disabled or handicapped could cover the patient in
Individuals at insurance companies generally want to assist you. Case managers, for example, can be very helpful to patients. Often medical directors, who are physicians, make the decisions about what would be the best care. Approaching
There are also government agencies, at the federal level, such as the Equal Employment Opportunity Commission, and at the state level, such as the Commission on Human Rights, which are designed to help the average citizen. These agencies are “user-friendly,” which means that you can personally go to the
Medicare and Medicaid
If the transplant is for a minor child, contact your state department of health. Many states have Children’s Health Care Services, which provide substantial financial aid or insurance coverage, regardless of your income. Sometimes monthly supplemental payments might be required from you.
If insurance coverage is minimal for your transplant, you may need to raise funds to help pay for your treatment. It is important to begin fundraising efforts early. There are several nonprofit organizations that specialize in helping patients raise funds. These organizations help arrange fundraisers and maintain accounts to which tax-deductible contributions can be
Please call the Link at 1-800-LINK-BMT (800-546-5268) or e-mail us for more information.
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