Best tips in 2022: Heart transplant cost with insurance?

Heart transplant cost with insurance If the readers want to know all the dimensions of this topic in terms of real-world medical surgery guidelines, then this article is for you. Heart transplant cost with insurance provides excellent financial management to individuals suffering from heart disease in 2022.

Hello everyone. For a person suffering from heart disease, all modern medical treatment is necessary to save their life. Its overall cost can range from $30,000 to $200,000, so it is a concern for everyone, no matter how rich they.

Note: An insurance policy can cover up to 70% to 80% of the cost of a heart transplant. Read this article to know more details so you can financially manage the cost of a heart transplant.

If we get the knowledge of cost estimation and current information on all the steps related to heart transplant, we can get rid of this problem successfully.

This article was written after doing much research on Heart Transplants and the information compiled in it outlines the modern medical practice cost, which is helpful for every age group.

Note: In this article, all the points of heart disease, and its modern medical treatment have been included and no topic has been ignored.

So it is a valuable document for the readers, providing them better financial management to eliminate this problem.

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A heart animation image with many different colors in front of the people.
After heart transplant people live with joy

Content Navigation Table

What will get readers in this article (about Heart transplant cost with insurance)? A complete guide.

  • What types of heart diseases and their medical treatment cost exist in the real world?
  • 8 Ways to know helpful resources for a heart transplant person.
  • 10 ways to know the pre-cost and its medical test of the heart transplant?
  • 7 ways to know the post-cost of the heart transplant?
  • What basis does a person determine his heart transplant treatment costs?
  • 5 ways to know to pay for a heart transplant cost?
  • 14 ways to know can use that to navigate insurance for a heart transplant.
  • What questions should you ask when you have to supplement Medicare?
  • 2 ways to know the best tips can use to navigate insurance for a heart transplant.
  • What does the non-medical wage happen when considering heart transplant cost?
  • How many ways can a person transplant his heart successfully?

What is a heart transplant, and how many types of heart disease are there?

A heart specialist doctor with a heart animation image.
A doctor can tell you the correct diagnosis of heart disease.

A heart transplant is needed when the heart does not function naturally. In which the heart is replaced with a healthy heart from another person.

Types of heart disease:

1. severe coronary artery disease

1. Removal of a heart-blockage (Average cost $32,000 without insurance).

2. Heart bypass surgery (Average cost $70,000-$200,000 without insurance).

3. Heart valve replacement (Average cost $80,000-$200,000 without insurance).

What types of risks are involved in the heart transplant?

There are clinically the following types of risks involved in a heart transplant. These are shown below:

1. Anesthesia

2. Infection

3. Blood loss

4. Blood clots

5. Heart attack

6. Stroke

7. Cognitive impairment

Is heart transplant covered by health insurance?

Yes, a heart transplant is covered by health insurance.

8 Ways to know helpful resources for a heart transplant person.

Phone ring sound of a red colored phone.
8 Ways to know helpful resources for a heart transplant.

If the readers have any curiosity related to organ transplantation, then the information given below is helpful for you; by following this, you can get answers to the questions arising in your mind.

1. General support:

  • Local United Way Branch
  • This organization helps people find local organizations to help for health, financial, transportation, housing, food, Etc.
  • Call: 2-1-1
  • Available 24 hours a day, 7 days a week.

2. Medicare Supplement Insurance Plans:

  • These plans give you to go to any doctor or hospital in the United States that accepts Medicare patients.
  • Phone: 1-866-408-5545
  • Note: Not connected with or endorsed by the U.S. Government or the federal Medicare program.

3. American Organ Transplant Association:

  • This organization helps a organ transplant person find free transportation to and from transplant center.
  • Website:
  • Phone: 832-930-2682

4. National Foundation for Transplants:

  • This organization provides fundraising and advocacy for those looking to fund a transplant.
  • Website:
  • Phone: 800-489-3863

5. HelpHOPELive:

  • This supports community-based fundraising for unmet medical and related expenses due to cell and organ transplants and other illnesses and injuries.
  • Website:
  • Phone: 800-642-8399

6. SingleMothersGrants:

  • This organization that helps single mothers with medical bills and life expenses including utility bills, child care, cash assistance, college, mortgage, eviction prevention, foreclosure prevention, rent assistance, and buying a home.

7. Medication Support:

8. Medicare Prescription Drug Plans:

  • AARP® Medicare Rx plans (Part D) are insured or covered through UnitedHealthcare and may include.
  • Prescription drug coverage for most commonly used brand and generic drugs.
  • Low co-pays through the Preferred Retail Pharmacy Network.
  • Phone: 1-888-867-5564
  • Additional savings with home delivery from OptumRx®.

What essential preparation should be done before a heart transplant?

A doctor measuring a patient's heartbeat.
Essential preparation should be done before a heart transplant.

Heart transplant surgery is a complex medical treatment, so a person should prepare himself according to the things mentioned below:

1. Mental

2. Physical

3. Financial

4. Social

With whom should a person having a heart transplant necessarily coordinate?

A doctor with his notebook.
A heart transplant necessarily coordinate.

A person with a heart transplant should coordinate according to the guidelines below for this medical treatment to be succeed.

1. Cardiologists

2. Transplant surgeons

3. Pharmacist

4. Psychologists

5. Nutritionist

6. Clinical social workers

7. Researchers

8. Credit analysts

10 ways to know the pre-cost and its medical test of the heart transplant?

A person does not have to go through various medical stages for success of a heart transplant.

Before a heart transplant, a person has to undergo various types of medical examinations and tests.

These medical tests and examinations are required for a heart transplant and are not a substitute. It can be of the following types it is shown below.

Note: All costs shown below are averages and may vary by US states

1. Echocardiogram (Average cost $1000 to $3000).

2. Electrocardiogram (Average cost $430 to $1,150).

3. Chest x-ray (Average cost $54 to $461).

4. Heart catheterization (Average cost $3,750 to $6,000).

5. MVO2 (exercise stress test) (Average cost $1,000 to $5,000).

6. Blood work and Blood Test (Average cost $150 to $900).

7. Pulmonary function tests (Average cost $40 to $800).

8. Bilateral lower extremity Doppler and carotid Doppler (Average cost $200 to $400).

9. Ultrasound of the abdomen/pelvis (Average cost $250 to $1,100).

10. Doctor visit fee (Average cost $25 to $60).

Note: All tests assess the functions of your lungs, heart, and other bodily systems.

7 ways to know the post-cost of the heart transplant?

A heart transplant surgery is a complex medical procedure and therefore carries serious risks, so it is clear that a person having a heart transplant requires additional medical protection.

It is complicated to assess the variety of medical conditions that may arise after a successful heart transplant.

But here some information is being provided below for the readers’ convenience so that they can get an idea of what kind of possible hazards can be and what can be their cost.

1. Person’s condition: After a successful transplant, whether or not a person’s situation is stable, they may have to go to the hospital and may include some tests, hence their cost.

2. Require visits to the doctor: You will have to pay the cost out of your pocket for the number of times you visit the doctor.

3. Anti-rejection drug cost: The need to take anti-rejection drug after organ transplant is medically necessary, its cost is very expensive.

4. Medical laboratory test cost: You may need a laboratory test if you have any infection after a heart transplant.

5. Transportation cost for visiting the doctor.

6. Expenses other essential medicines in case of infection after organ transplantation.

7. If you are getting treatment away from your home, then the cost of staying there.

What does a doctor cost for heart transplant patients covered by health insurance?

Doctor out-of-pocket costs for heart transplant patients covered by health insurance range from 10% to 50%. These include the following things; it is shown below.

1. Doctor visit co-pays cost.

2. Prescription drug co-pays cost.

What are the non medical-costs of a heart transplant procedure?

There are definite non-medical costs involved in a heart transplant procedure as shown below.

1. Childcare

2. Transportation/travel

3. Lodging

Is health insurance cover lost wages for heart transplant procedures?

Generally, privet health insurance can cover lost wages, but it depends on the type of insurance policy you have taken.

Personal injury protection, also known as PIP coverage or no-fault mind insurance, can often cover lost wages along with medical expenses if you want to cover your lost wages, but this insurance policy will give you different coverage.

Note: Not all private health insurance covers lost wages.

5 ways to know to pay for a heart transplant cost?

Heart transplantation is a complex medical procedure, so naturally, there is a high cost involved, but the good thing for the readers is that you do not have to bear most of the financial burden.

The heart transplant cost burden can be reduced, as shown below:

1. Medicare: Medicare can cover the cost related to heart transplantation, but there is a dilemma that it is only for a person over 65 years of age or a young patient with a disability.

2. Medicaid: Medicaid can cover the cost of a heart transplant and does not have any age restrictions, but its coverage varies from state to state. It is a major problem.

3. Tricare: This supplemental insurance is only for active and retired military members.

4. Private insurance: Private insurance may pay as much as 70% to 80% for a heart transplant, but most insurance plans have a maximum amount that is usually not the full heart transplant cost.

5. Secondary insurance: Secondary insurance starts when the primary insurance cannot cover the cost of heart transplant.

Usually, this secondary insurance pays for some or all of the costs that the primary insurance may not cover.

Patients who do not have secondary insurance should try to get it through their employer, government, or any private company.

14 ways to know can use that to navigate insurance for a heart transplant.

Get a heart transplant to get better coverage and to avoid future problems; some tips are presented below. You can get better coverage by following this.

1. Does my insurance follow the guidelines of Medicare Coordination of Benefits?

Call Medicare Coordination:

  • 1-855-798-2627
  • 1-855-797-2627

2. Does my insurance plan cover anti-rejection medicines?

3. Will my insurance plan cover this medical cost?

4. How will my current coverage change after I enroll in Medicare, and will my plan become a supplemental or secondary plan?

5. You should talk to your insurance company and be sure about what it will cover and what it will not.

6. Do I have to undergo any special approval for a heart transplant and heart transplant evaluation? If yes, how long does the approval process take?

7. Is there a pre-existing waiting period in my insurance plan? If yes, what is the time limit, and can it be waived off in the future?

8. What is specifically included in my insurance plan for heart transplant services, and please tell me the details of my deductible and co-payment in my insurance plan.

9. What will be my maximum amount for transplant services?

10. Can I a specific provider to get financial benefits?

11. What is my lifetime maximum amount and maximum annual amount?

12. Does my plan cover pharmacy coverage other than anti-rejection drugs; if yes, then will my plan cover my current suppress and other anti-infection medicine.

13. Does my insurance program cover my transportation and living expenses during my heart transplant care?

14. Will I need to enroll in Medicare to be eligible for my current insurance?

What questions should you ask when you have to supplement Medicare?

If your insurance is related to Supplemental Medicare, you should ask the following types of questions:

1. Is there a pre-existing or waiting period available in my insurance? If so, what would be the time frame?

2. Will my insurance be deductible for part A and part B of Medicare, and is it covered by this insurance.

3. Will my insurance provides an additional Medicare part D coverage option?

2 ways to know the best tips can use to navigate insurance for a heart transplant.

If you navigate your insurance program properly, it can provide your financial security.

1. Always keep a detailed account of the insurance bill or any payment or conversation you have with anyone.

2. Keep copies of the insurance policy, medical bills, and every payment you make.

3. Follow all the rules given by the insurance company seriously; due to negligence in this, you may have to face financial loss.

Apart from private insurance and government assistance, what other option can be to arrange funds for heart transplantation?

Apart from private insurance and government assistance, the following options are available to arrange funds for a heart transplant, which are shown below:

1. Individuals unable to pay the cost of a heart transplant approach public service organizations to obtain funding for the transplant.

2. Civil service organizations can help a heart transplant patient undergo a medical surgery.

3. Many heart transplant patients organize fundraising events to raise funds, such as appealing to their friends, walkathons with the community members.

Note: A heart transplant patient must comply with necessary legal and financial law guidelines before starting a fundraising campaign and coordinating with their city or county government’s team of legal advisors regarding the program.

What factors majorly affect the cost of a heart transplant?

Three factors majorly affect the cost of a heart transplant.

1. Type of Surgery.

2. Type of Doctor.

3. Type of Hospital.

Readers should be aware of various costs associated with uninsured heart disease. These do not include doctor’s fees.

1. Plaque removal from an artery (average cost of $31,000).

2. Heart bypass cost (average cost of $$118,000).

3. Heart valve replacement (average cost of $$165,000).

For example, the cost of a heart valve replacement can range from $80,000 to $200,000 in California.

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FAQ (Frequently Ask Question about heart transplant cost with insurance).

A person answering questions accurately.
Frequently Ask Question about heart transplant with insurance.

I need a heart transplant. How do I get on the heart transplant waiting list?

You or your doctor should contact UPMC for this. This will provide you with detailed information about the availability of a healthy heart.
e-fax line at 412-864-5913.

What is the cost of a heart transplant if you have insurance?

Different types of insurance companies launch other types of insurance programs for heart transplantation, and depending on the cost of the premium; you get the proper coverage.

I don’t have health insurance. How much does a heart transplant cost?

Many factors affect the overall cost of a heart transplant and can vary from person to person.

You should consult a heart transplant credit analyst to know the estimated heart transplant.

What is the age cut off for a heart transplant? Am I too old?

There is no upper age limit for a heart transplant program. After inspection by the doctor, it is decided whether a potential heart patient should undergo a heart transplant or not.

What should a person avoid when diagnosed with heart disease?

If a person is diagnosed with heart disease, one should not consume smoking and drinking alcohol, even a little use of them affects the heart rate.

Should I come alone for a heart transplant test because my wife and my adult kids are in jobs?

No. If you know you have a disease related to heart disease then you should not come alone for a heart transplant test because a heart attack is not a spoken word.

Who can be my heart transplant caregiver?

You will have to travel for your heart transplant as well as in the hospital you will need a proper caregiver. It can be of the following types it is shown below:

1. Spouse
2. Sibling
3. Child
4. Friend
5. Neighbor

How long will I need to wait for a new heart?

It does not have a fixed time; it depends on the availability of a healthy heart.

What might restrict me from having heart transplant surgery?

The United Network for Organ Sharing (UNOS) assigns a status to each person on the heart transplant wait list.

Placement status on a heart transplant waiting list is based on specific parameters met on it from one to six.

Position 1 to 3: It is often used to support the heart in a hospital ICU.
Position 4: It is often used at home but requires IV medications or ventricular assist device to support the heart of a heart patient.

How long will I be in the hospital after my heart transplant?

The most critical factor in when you will be able to go home after a heart transplant is the success percentage of your surgery. After this, the doctors keep examining you continuously and the doctor decides when you should go home.


A heart transplant is a complex procedure from a medical point of view because we have only one heart, and its job is to pump blood. In addition, this surgery has a high cost.

The article intends to make the readers aware of the various costs of heart transplant surgery. This article was written after doing much research, and is completely useful in 2022.

The different dimensions of this article outline the various costs involved in a heart transplant to make it easier for readers to understand what the cost will be for them. So this is a useful document.

If readers have any other questions related to a heart transplants, then you can know about them by commenting. I will answer them as well, as if readers have any valuable suggestion, then they can also tell us.

Thank You.

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