Bone marrow 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.
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 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 clause? If so, what is the time frame?
- Does my plan offer an option for Medicare Part D coverage?
Please plan for other expenses that may occur related to your transplant. These may include, for example, follow-up medical appointments, long-term medications, caregiver expenses, travel, parking and lodging.
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.
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.
Nov. 09, 2017
- National Marrow Donor Program. http://bethematch.org. Accessed Feb. 26, 2015.
- AskMayoExpert. Hematopoietic stem cell transplant. Rochester, Minn.: Mayo Foundation for Medical Education and Research; 2015.
- AskMayoExpert. Graft-versus-host disease. Rochester, Minn.: Mayo Foundation for Medical Education and Research; 2014.
- Barbara Woodward Lips Patient Education Center. Allogeneic blood and marrow transplant (BMT). Rochester, Minn.: Mayo Foundation for Medical Education and Research; 2010.
- Riggin EA. Allscripts EPSi. Mayo Clinic, Rochester, Minn. July 20, 2016.
- Lee SJ, et al. 5 year results of bmt ctn 0201: Unrelated donor bone marrow is associated with better psychological well-being and less burdensome chronic gvhd symptoms than peripheral blood. American Society of Hematology. Meeting abstract. https://ash.confex.com/ash/2015/webprogram/Paper80881.html. Accessed July 19, 2016.
- Adams RH (expert opinion). Mayo Clinic, Rochester, Minn. Aug. 15, 2016.
- Geerdes PA (expert opinion). Mayo Clinic, Rochester, Minn. Aug. 17, 2012.
- Reunited and it feels pretty good. In the Loop. July 28, 2015. http://intheloop.mayoclinic.org. Accessed July 19, 2016.
- Singla A, et al. Incidence of supraventricular arrhythmias during autologous peripheral blood stem cell transplantation. Biology of Blood and Marrow Transplantation. 2013;19:1233.
- Hoffman R, et al. Overview of hematopoietic stem cell transplantation. In: Hematology: Basic Principles and Practice. 6th ed. Philadelphia, Pa.: Saunders Elsevier; 2013. http://www.clinicalkey.com. Accessed July 19, 2016.
- Dispenzieri A. POEMS syndrome: 2012 update on diagnosis, risk-stratification and management. American Journal of Hematology. 2012;87:804.
- Yang ZZ, et al. T-cell-mediated antitumor immunity in B-cell non-Hodgkin lymphoma: Activation, suppression and exhaustion. Leukemia and Lymphoma. 2015;56:2498.
- Diseases treatable by transplants. National Marrow Donor Program. https://bethematch.org/transplant-basics/how-transplants-work/diseases-treatable-by-transplants/. Accessed July 20, 2016.
- Majhail NS, et al. Recommended screening and preventive practices for long-term survivors after hematopoietic cell transplantation. Biology of Blood and Marrow Transplantation. 2012;18:348.
- Yawn BP, et al. Management of sickle cell disease: Summary of the 2014 evidence-based report by expert panel members. JAMA. 2014;312:1033.
- NCCN member institutions. National Comprehensive Cancer Network. https://www.nccn.org. Accessed July 20, 2016.
- Cordes S, et al. Autologous stem cell transplantation in immunoglobulin light chain amyloidosis with factor X deficiency. Blood Coagulation and Fibrinolysis. 2016;27:101.
- Colborn LK. Office of Access Management. Mayo Clinic, Rochester, Minn. Jan. 28, 2016.
- Gertz MA, et al. Autologous stem cell transplant in 716 patients with multiple myeloma: Low treatment-related mortality, feasibility of outpatient transplant, and effect of a multidisciplinary quality initiative. Mayo Clinic Proceedings. 2008;83:1131.
- O'Suoji C, et al. Rare pediatric non-Hodgkin lymphomas: A report from Children's Oncology Group Study ANHL 04B1. Pediatric Blood Cancer. 2016;63:794.
- Galardy PJ, et al. Targeting childhood, adolescent and young adult non-Hodgkin lymphoma: Therapeutic horizons. British Journal of Haematology. 2016;173:625.
- Slack JL, et al. Reduced toxicity conditioning and allogeneic stem cell transplantation in adults using fludarabine, carmustine, melphalan, and antithymocyte globulin: Outcomes depend on disease risk index but not age, comorbidity score, donor type, or human leukocyte antigen mismatch. Biology of Blood and Marrow Transplantation. 2013;19:1167.
- King AA, et al. Successful matched sibling donor marrow transplantation following reduced intensity conditioning in children with hemoglobinopathies. American Journal of Hematology. 2015;90:1093.
- Mayo Clinic to grow human cells in space: Testing stroke treatment. Mayo Clinic News Network. http://newsnetwork.mayoclinic.org. Accessed July 20, 2016.
- Muchtar E, et al. Autologous stem cell transplant for multiple myeloma patients 70 years or older. Bone Marrow Transplant. In press.
- Ansell SM. Targeting immune checkpoints in lymphoma. Current Opinion in Hematology. 2015;22:337.
- Hashmi S, et al. Survival aster mesenchymal stromal cell therapy in steroid-refractory acute graft-versus-host disease: Systematic review and meta-analysis. The Lancet Haematology. 2016;1:e45-52. https://www.clinicalkey.com. Accessed July 20, 2016.
Bone Marrow Transplant Program