Navigating the healthcare system can be challenging, particularly when it comes to significant procedures like organ transplants. The process may seem even more daunting for uninsured individuals. However, it's essential to know that there are resources available that can make the process more manageable.

Firstly, we recommend consulting with your healthcare provider and/or transplant team and asking to be connected with a financial advisor. They may be able to help you review your costs and options related to transplantation.

Average Cost of Transplant Without Insurance

Heart: $1,664,800

Liver: $878,400 

Kidney: $442,500

Intestine: $1,240,700

Lung: $929,600

Pancreas: $408,800 

Additional Transplant Costs

  • Anti-rejection medication 
  • Travel and lodging post-transplant
  • Living Organ Donor’s Medical Expenses (If organ is not received from a deceased donor)
  • Maintenance of the transplant or potential complications
  • Lost wages if unable to work post-transplant

Affording a Transplant

While organ transplants are expensive, there are several resources available to uninsured individuals to help cover the costs.

Issues with Insurance Due to Immigration Status

HealthCare.gov

Includes information on who may qualify for insurance and how to start the application process.

United Way

Includes resources for immigrants who may be in an unsafe situation or simply need help navigating the U.S. healthcare system.


Government Funded Insurance

Medicare

Patients age 65 and older, patients younger than 65 with certain disabilities, and those who have been diagnosed with end-stage renal disease qualify for Medicare. Additionally, patients may qualify if they or their spouse have paid into the Medicare system.

Medicaid

For low-income patients that is administered by individual states within federal guidelines. Medicaid coverage qualifications vary from state to state.


Fundraising for Transplant

Children’s Organ Transplantation Institute

Offers help to pediatric patients and their families who need help covering the cost of surgery.

Help Hope Live

Offers personalized assistance with starting a fundraising campaign to cover medical expenses.

American Transplant Foundation's Financial Resource Guide

A list of organizations providing financial assistance for transplant recipients and living organ donors.

American Transplant Foundation's Fundraising Guide 

A guide to fundraising for transplant related expenses. Includes examples of successful campaigns and more helpful tips.


Help Applying for Insurance

Children’s Health Insurance Program (CHIP)

Offers health insurance coverage for pediatric patients and their parents who are ineligible for Medicaid but can not afford private health insurance.

National Council on Aging

Helps older adults and those with disabilities to connect with health insurance coverage, as well as resources for medications, food, utilities, and more.

National Kidney Foundation

Includes information on insurance options for patients with kidney disease.

Patient Advocate

Provides support and guidance to patients in finding health insurance coverage and other financial resources available to them.


Free or Low-Cost Clinics

Health Resources and Services Administration

Helps patients to find Federally Qualified Health Centers that provide free or low-cost medical care.

National Association of Free & Charitable Clinics

Helps patients to find clinics that provide free or low-cost medical care.


Additional Information: Insurance Checklist

Check out our free Transplant Planning Insurance Checklist for additional guidance on navigating insurance in the transplant process.