Does health insurance cover kidney transplant?

A good health insurance should give you coverage against every kind of medical emergency. The medical expenses involved in a kidney transplant are quite extensive. Apart from the medical stress, it can also set one back financially. Moreover, the patient needs to visit the doctor in case of any physiological complication. All these routine visits add further to the recuperative costs. Thus, most of the quality health insurance plans provide kidney transplant insurance coverage. Depending upon the plan, there may or may not be pre-existing disease coverage.

Post-surgery care is of utmost importance and that also entails parallel medication costs. The organ transplant surgery involves two members - the recipient and the donor. As a rule, the donor’s expenses are not reimbursed. However, if the recipient is a policyholder then he can claim insurance for the surgery.

Medicare generally has the provision for kidney transplant insurance coverage. It is a federal health insurance program in the U.S. The entire structure of the plan is sub-divided according to the benefits covered under it. Medicare Part A is the hospital insurance and Medicare Part B is the medical insurance. A policyholder can claim reimbursement of hospitalization costs for a kidney transplant in these two steps.

Kidney transplant insurance coverage under Medicare Part A:

• The registration fee for a kidney transplant is covered.

• Insurer takes care of the procurement of kidney in case of unavailability of a live donor.

• All the tests and diagnostics pertaining to kidney transplant are done. These tests are a crucial part of the entire procedure. They determine how stable the operation can be.

• A Medicare-certified hospital will provide all the services related to inpatient care.

• Post-transplant, patients would be recommended recuperative measures and helped in other ways.

• A living donor would be taken care of through the entire medical procedure.

• Assistance will be given for blood requirement.

Kidney transplant insurance coverage under Medicare Part B:

• One of the biggest problems occurs when the body rejects a particular kidney. Thus, patients are given immunosuppressive prescription drugs. This lowers the body’s ability to reject the kidney transplant. The provision for such a vital drug is also included in the plan.

• During the entire time of hospitalization, the doctor will diagnose very diligently. All kinds of medical needs would be attended to by the team. Efforts are made to make the surgery as seamless as possible.

• Assistance will be given for blood requirement.

• Patients will have free access to follow-up care after the kidney transplant

The coverage for the immunosuppressive drug can be availed for a limited period of time only. Usually, it happens once the patient is discharged. For long-term coverage of immunosuppressive prescription drugs, one needs to go through Medicare Part D coverage.

With the increasing demand for medical care services, the market is replete with health policies. It enables us to afford extravagant treatments by paying over time. The pre-existing disease coverage is not really given by all plans. However, for organ transplantation and recovery, patients are assisted.


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