Private health insurance

If you have a personal or employer-provided insurance plan, your post-transplant medications will be covered. It is important that you understand what your benefits are and what types of services are covered and not covered. For example, not all plans are the same, and important medications like your anti-rejection medications may be covered under the medical benefit instead of the usual prescription medication benefit. This information is listed in your insurance policy. It is your responsibility to pay for any medical care that is not covered.

Also, talk to your insurance company about any “caps” in your policy. A “cap” is the total amount of money that your policy will pay out in your lifetime. Sometimes there is also a cap specific to a particular procedure (such as a transplant) or how much the policy will pay for prescription medications per year. If your medications and/or medical care exceed the allowed amount, you are responsible for the remainder.

If you have specific questions about your coverage, call your insurance company or talk to your employer.

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