My insurance company will cover the transplant. Do I need fundraising assistance?
The transplant itself may be covered; however, the high costs of daily post-transplant medications and unforeseen complications often become very overwhelming for patients. Some insurance policies won't cover bone marrow donor searches -- which can be very expensive -- and others have an inadequate lifetime maximum for coverage that will quickly be exhausted. Many patients must also travel far distances to their transplant centers, which can result in significant travel and lodging expenses.
Transplant recipients require a lifetime of follow-up care and daily anti-rejection medications, which can cost as much as $5,000 per month. Most patients require many prescriptions every day. Even with insurance, the co-pays for multiple medications will add up quickly. Some insurance policies won't cover anti-rejection prescriptions at all or will only cover them for a specified period of time.
Even with "good" insurance, many patients find the financial burdens to be devastating. Plus, insurance coverage could change, so it's important to plan ahead for the future.
It is difficult to think about long-term financial burdens, but we know how expensive it can be to maintain that gift of life. It's very important to prepare for a lifelong financial commitment to take care of your new organ(s).