Transplantation involves costs before, during, and after the actual transplant surgery. These costs are the responsibility of the recipient, not the donor. Costs include:
For a list of important questions to ask your insurance company, visit transplantliving.org.
Planning for transplant surgery requires financial planning. Health insurance may cover some or most of the costs, but insurance policies vary widely. Call your insurance company or your employer's benefits office to get detailed information about how your insurance company handles the costs related to your specific situation. For a list of important questions to ask your insurance company, visit transplantliving.org.
In general, you are responsible for any costs not covered by insurance. You need to think about what resources you will use to pay the costs not covered by insurance. These resources may include savings, sale of property, or other sources.
Fortunately, you do not need to face these decisions alone. Members of the transplant team, such as the transplant center's social worker and financial coordinator (see below), can help you develop a financial plan and may be able to put you in touch with organizations that provide financial assistance to transplant recipients.
The financial coordinator at a transplant center is a member of the transplant team. Financial coordinators have detailed information and experience with health care financing and hospital billing. It is helpful to speak with the financial coordinator before making financial decisions related to your transplant and to keep the coordinator up to date as your financial plans evolve.
The financial coordinator can help you:
More detailed information on finding financial resources for a transplant may be found at:
Medicare is a federal program, and Medicaid is operated by individual states. Both are health insurance programs that can help eligible people pay for the costs of transplantation.
Medicare is available for people age 65 or older, people who have certain disabilities, or people who have end-stage renal disease (ESRD). The Medicare Part A insurance plan is available free to those who qualify and covers inpatient hospital care and some nursing home care. People who wish to participate in the Medicare Part B insurance plan pay premiums; Part B covers outpatient care, doctor bills, some home health care, and prescription medicines including, in some cases, immunosuppressive (antirejection) drugs.
Medicare certifies transplant programs throughout the country, and you must use a Medicare-approved transplant facility in order to receive full Medicare benefits. To find out more about Medicare-approved transplant centers or Medicare benefits for transplantation, visit the Medicare website or contact your local Social Security office.
Medicaid is an insurance program for low-income persons and is funded jointly by the federal government and the states. States determine who is eligible and what benefits and services are covered.
Some states' Medicaid plans cover only transplant procedures performed within the state (unless there is no transplant center for that organ in the state). Some states' Medicaid programs do not cover transplantation.
For more information on Medicaid, contact your financial coordinator, local Social Security office, the Social Security information line at 800.772.1213 or the financial coordinator at your transplant center.
The Organ Procurement and Transplantation Network (OPTN) has policies that regulate how donor organs are matched and allocated to patients on the waiting list. There are some common factors in how organs are matched, such as blood type and how severe the patient's illness is. However, depending on the organ, some factors become more important than others, so there is a different policy for each organ.
Even years after surgery, doctors will continue to monitor the health status of both your transplanted organ and your whole body. Laboratory tests are a regular part of a transplant recipient's life. Understanding the purposes of the tests can make it easier to follow specific instructions and get accurate results. Talk to your transplant team about what ongoing monitoring will be needed, how much can be done at home, and what will require visits to the transplant center or other locations.
Rejection is the body's way of protecting itself against a foreign invader such as infectious germs. Rejection can happen when the body sees the transplanted organ or tissue as a foreign invader and attempts to destroy it. There are two types of rejection, acute and chronic. Acute rejection happens very quickly; chronic rejection is the slow failure of a donated organ to function.
Immunosuppressant (or anti-rejection) medications that prevent the body from rejecting the transplanted organ are an important part of life after transplant surgery. In general, a suppressed immune system can be slower in defending against germs. Transplant recipients may be somewhat more vulnerable to infections and may find it more difficult to recover from certain infections and illnesses. This is especially true for the first 6 months after surgery but will remain an ongoing concern. You can protect your health by following good prevention practices to avoid illness and injury and by seeking treatment early when illness does occur.
Transplant recipients usually need to take an array of medications. Some will be new medications prescribed after transplant surgery. Some may be continued from before surgery. Certain medications may be taken several times a day while others are taken only on certain days. Transplant team doctors may have to change medications or adjust dosages every few days or weeks to find the best combination for maximum benefit and minimum side effects. In short, managing medications after transplant surgery can be complex and confusing.
Selecting a good pharmacy and getting to know your pharmacist can help you understand your medications and manage your medication schedule. Pharmacists can help explain effects and side effects of medications. Sometimes they can recommend tools like timers and organizers to help you keep track of medications. The social worker at the transplant center should be able to provide a list of pharmacies to choose from.
Pharmacy services and prices vary. If you are not limited to particular companies by your insurance, shop around for lower prices and for features such as home delivery, refill reminders, and ability to speak with a pharmacist directly by phone or in person. Important questions to ask your pharmacist about pharmacy services and about medications are listed at Medications: Protecting Your Transplant—Questions to Ask and on page 41 of What Every Patient Needs to Know (PDF - 3.64MB) .
Choosing a healthy lifestyle is as important for organ recipients as they are for everyone. Follow a low-fat diet, exercise regularly, and avoid smoking to promote the health of your new organ as well as the rest of your body. Your doctor and the transplant center dietician can help you develop a plan for healthy diet and appropriate exercise as you heal and transition to a normal healthy life.
Most people are weak after any surgery. Transplant recipients must recover both from the operation as well as the illness or injury that caused the need for a transplant.
As a result, exercise and muscle strain should be limited when you first return home. Talk with your doctor about what to expect for physical reconditioning and any activity limitations or restrictions.
As you start to feel better, regular exercise will help you regain your strength. Because you may feel tired at first, you should take rest breaks during exercise. Gradually, increase the amount and type of physical activity you enjoy. Enjoy life.
Sometimes organ recipients want to thank the family of their donor. Sometimes donor families want to check on the health and well-being of the person who received an organ from their loved one. The possibility of this human contact lifts the process of donation and transplantation above the mechanics of medicine and surgery and makes it a true sharing of life, gratitude, and love.
Transplant centers and OPOs are required by law to protect the confidentiality of donors and recipients. However, they can arrange for contact between the families when both sides agree. The process usually begins with a letter from the recipient to the donor family, sent in care of the transplant center. Different centers have different procedures, but general guidelines for the first letter to the donor family are outlined in the fact sheet, Contacting Your Donor Family.