Costs and insurance

Liver transplant costs and insurance information

Mayo Clinic has dedicated transplant financial services representatives and social workers who can assist you with insurance and financial questions regarding your transplant.

Mayo Clinic works with hundreds of insurance companies and is an in-network provider for millions of people. In most cases, Mayo Clinic doesn't require a physician referral. Some insurers require referrals or may have additional requirements for certain medical care. Many insurance companies require you to get preapproval authorization prior to transplant services.

Insurance information

Before your transplant, it's important that you work closely with your insurance company to understand your benefit plan. You'll be responsible for any of your transplant and medical care costs not covered by your insurance company.

You may want to ask your insurance company several questions regarding your transplant expenses, such as:

  • What is the specific coverage of my plan? What are my deductibles, coinsurance, copayments, lifetime maximum amount and annual maximum amounts for both medical care and transplant services?
  • Does my plan have a pre-existing or waiting period clause? If so, what is the time frame? Can this be waived?
  • Does my plan include pharmacy coverage? If so, will my plan cover my current medications and immunosuppressant medications?
  • Does my plan require any special approvals for evaluation or transplant? How long does the approval process take once submitted to insurance?
  • Does my plan cover my transportation and lodging expenses during my transplant care?
  • Does my current insurance require enrollment in Medicare when eligible?
  • Does my insurance follow Medicare Coordination of Benefits guidelines?
  • How will my current coverage change after enrolling in Medicare? Will my plan become a supplemental or secondary plan?

If your plan is a Medicare supplement, ask questions including:

  • Does my plan follow Medicare guidelines?
  • Does my plan cover Medicare Part A and B deductible and coinsurance?
  • Does my plan have a pre-existing or waiting period? If so, what is the time frame?
  • Does my plan offer an option for Medicare Part D coverage?

Other expenses

Please plan for other expenses that may occur related to your transplant, which may include follow-up medical appointments, long-term medications, caregiver expenses, travel, parking, lodging and other expenses.

For international patients

Mayo Clinic has dedicated international patient account representatives who can assist you with questions regarding your costs and insurance. Read more about international financial services.

Case managers

Mayo Clinic financial staff will work closely with your case managers from your insurance company. Your case manager, who is assigned to you, is available to answer questions and calls related to your insurance costs.

Sept. 24, 2016
References
  1. Feldman M, et al. Liver transplantation. In: Sleisenger & Fordtran's Gastrointestinal and Liver Disease: Pathophysiology, Diagnosis, Management. 10th ed. Philadelphia, Pa.: Saunders; 2016. https://www.clinicalkey.com. Accessed June 13, 2016.
  2. Liver transplant. American Liver Foundation. http://www.liverfoundation.org/abouttheliver/info/transplant/. Accessed June 13, 2016.
  3. What I need to know about liver transplantation. National Institute for Diabetes and Digestive and Kidney Diseases. http://digestive.niddk.nih.gov/ddiseases/pubs/livertransplant_ez/. Accessed June 13, 2016.
  4. Questions & answers for transplant candidates about MELD and PELD. United Network for Organ Sharing. http://www.unos.org/docs/MELD_PELD. Accessed May 28, 2014.
  5. Liver Kaplan-Meier patient survival rates for transplants performed: 1997-2004. Organ Procurement and Transplantation Network. https://optn.transplant.hrsa.gov/data/view-data-reports/national-data/#. Accessed May 28, 2016.
  6. Selecting a hospital. United Network for Organ Sharing http://www.transplantliving.org/before-the-transplant/getting-on-the-list/selecting-a-hospital/. Accessed June 13, 2016.
  7. Dove LM, et al. Liver transplantation in adults: Patient selection and pretransplantation evaluation. http://www.uptodate.com/home. Accessed June 13, 2016.
  8. Bambha K, et al. Model for End-stage Liver Disease (MELD). http://www.uptodate.com/home. Accessed June 13, 2016.
  9. Cotler S. Living donor liver transplantation. http://www.uptodate.com/home. Accessed June 13, 2016.
  10. Partnering with your transplant team: The patient's guide to transplantation. United Network for Organ Sharing. https://www.unos.org/wp-content/uploads/unos/WEPNTK.pdf. Accessed March 11, 2016.
  11. Kim WR, et al. OPTN/SRTR 2014 annual data report: Liver. American Journal of Transplantation. 2016;16:11.
  12. Barbara Woodward Lips Patient Education Center. Liver transplant. Rochester, Minn.: Mayo Foundation for Medical Education and Research; 2013.
  13. Glorioso JM, et al. Pivotal preclinical trial of the spheroid reservoir bioartificial liver. Journal of Hepatology. 2015;63:388.
  14. Yu Y, et al. Cell therapies for liver diseases. Liver Transplantation. 2012;18:9.
  15. Taner T, et al. Decreased chronic cellular and antibody-mediated injury in the kidney following simultaneous liver-kidney transplantation. Kidney International. 2016;89:909.
  16. De Assuncao TM, et al. Development and characterization of human-induced pluripotent stem cell-derived cholangiocytes. Laboratory Investigation. 2015;95:684.
  17. Croome KP, et al. The use of donation after cardiac death allografts does not increase recurrence of hepatocellular carcinoma. American Journal of Transplantation. 2015;15:2704.
  18. Tincani G, et al. Operative risks of domino liver transplantation for the familial amyloid polyneuropathy liver donor and recipient: A double analysis. American Journal of Transplantation. 2011;11:750.
  19. Kitchens WH. Domino liver transplantation: Indications, techniques, and outcomes. Transplantation Reviews. 2011;25:167.
  20. Scientific Registry of Transplant Recipients. http://www.srtr.org/default.aspx. Accessed April 11, 2016.
  21. Heimbach JK (expert opinion). Mayo Clinic, Rochester, Minn. July 19, 2016.