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How much does a liver transplant cost with insurance? If the readers want to get excellent insurance technical terms & conditions and updated medical information related to “How much does a liver transplant cost with insurance?” on this topic, then this article is for you.
This article mentions all detailed and modern practice knowledge in the real world about “How much does a liver transplant cost with insurance?” and this great information is useful in 2022.
Hello everyone. The total cost of a liver transplant in the US without insurance can be $575,000 (Approx) (including the cost of drugs). These include the cost of medications, and this is an exorbitant price for a normal person.
Note 1: Readers will be happy to know that in this article, they will get many recommendations on various topics that can be financially beneficial for them because the cost of liver transplant surgery in the United States of America is high.
Note 2: In general, very few people know about liver transplant surgery and its cost, as well as other hidden costs of this surgery. Fundamental knowledge of insurance that provides coverage for liver transplant surgery can save us from surgery costs. How readers can eliminate the hidden cost of liver transplant surgery through insurance is also mentioned in this article.
Note 3: If we reduce the cost of liver transplant medical procedures through an insurance program, we can create huge savings for ourselves. Liver transplant costs with insurance can be up to $100,000.
Note 4 : This article has been published after much research on “How much does a liver transplant cost with insurance?” while writing articles on this topic, data has been taken from different types of reliable sources (government websites), so readers will get a high level of knowledge related to this topic here.
Note 5: We have almost two years of experience in organ transplant insurance, and we publish our articles after research, and they are always full of the latest and great information.
What will get readers in this article (How much does a liver transplant cost with insurance)?
The medical treatment of liver transplants is a complex procedure, as well as the use of costly anti-rejection drugs in this medical treatment; its cost is always high without insurance.
If a liver transplant is necessary for a person’s life, various insurance programs cover this transplant, as well as Medicare and Medicaid.
By doing this, we can cover some of the total amounts of liver transplants through insurance programs, but without knowing the various dimensions of the liver transplant subject, it can be difficult.
1. How do we all the financial planning for liver transplant medical procedure?
2. What reliable insurance plans cover liver transplant surgery in the United States of America?
3. Which insurance companies in the United States of America perform the best insurance programs for liver transplant surgery and why?
4. Can the insurance program cover a liver transplant medical procedure coverage, and how do we get its maximum advantages?
5. What is a liver transplant medical procedure, and is it necessary to do this medical procedure?
6. Can Medicare insurance program cover liver transplant costs?
7. Can Medicaid insurance program cover liver transplant cost?
8. Can Medicare and Medicaid insurance be used instead of health Insurance?
9. How to determine the appropriate liver transplant cost before and after surgery?
10. Is there an age limit for liver transplant insurance?
11. Does my FSA or HSA cover liver transplant cost?
12. Are liver transplant insurance tax-deductible in terms of health insurance?
13. Which insurance companies cover liver transplants?
What is liver transplant surgery?
A liver transplant is a medical-surgical procedure in which a diseased liver is replaced with a healthy liver.
A healthy liver is obtained from a person who has recently died or is not suffering from liver disease.
Is liver transplant any alternative form of medical surgery?
If once our liver disease suffers, then for a better life, we have to do a liver transplant; there is no medical alternative to it.
Note 1: The number of people waiting for a liver transplant is always more than the number of donors available, so there is always a high demand for the liver.
Note 2: In 2021, 9336 liver transplants were performed in the US and their number is increasing continuously.
How to get a healthy liver for liver transplant surgery?
To get a healthy liver, one’s death is required, and this dead person must have already made sure to become a liver donor or with their family’s we can get a healthy liver.
Additionally, if a person chooses to be a living donor, there is always the possibility of a long time to find a suitable match.
How long can the liver transplant procedure be for a child and an adult liver patient?
A complete liver transplant surgery procedure can clinically take 72 days for a child and 145 days for an adult.
What are the significant costs involved in liver transplant surgery?
A liver transplant procedure is fraught with complications, so various aspects are studied closely in this surgery; due to this, different types of medical procedures are included in the cost of this surgery. It is shown below.
Note 1: A variety of factors affect the cost of liver transplant surgery, but mainly the complexity of the surgery and the individual’s health condition.
Note 2: But most hospitals can offer a discount of at least 30% to patients paying cash or who are currently in need.
Note 3: It is a good idea to have a financial counselor help you find out the actual payment methods for the liver transplant procedure before going to any hospital or transplant center.
1. The doctor’s consultation fee: Doctor’s consultation fee depends on the complexity of the surgery and the number of visits.
2. Medical test costs: Different types of clinical laboratory tests play an important role in making liver transplants successful; it can be of the following types:
- General health exams.
- Lab tests.
- X-rays.
- Heart tests.
Note: These tests can range from $500 to $2000.
3. Follow-up care costs.
4. Cost of essential medicines before and after surgery: The cost of medicines, mainly anti-rejections, is very high, up to $3000 per month.
Note: The extent of the anti-drug reaction depends on the complications of the surgery, with the need for anti-rejection drugs to last for six months or more. 5. Living donor expenses: This refers to expenses that a living donor may incur, such as medical evaluation costs, transportation costs, and accommodation costs.
How much can cost health insurance cover for a liver transplant?
Health insurance can cover up to 80% of the entire cost of a liver transplant, but the amount depends on the type of health insurance you have and the complications of the surgery.
Note: But you may still have to pay some cost out of pocket, such as clinic visits, donor searches, lab tests, and prescribed medicine, and pay between 10% to 20% of your surgery. All of these cost around $100000 can be up to $115000.
What are the key things you should carefully ask an insurance agent before choosing insurance plan for liver transplant?
Because liver transplant surgery is a complex surgery and it is of an essential nature to understand the different types of expenses and their insurance coverage, it can be done by the readers as follows.
1. How much will my insurance cover the cost of the surgery?
2. Will, my insurance, provider pay for a liver transplant now if I have had any liver-related medical problems in the past?
3. The insurance company will pay the coverage of the transplant amount to that hospital in case of transplant in any hospital.
4. How large amount do I have to pay each year before insurance pays what percentage?
5. Will this include doctor’s visits, hospitalization, and prescribed medicines?
Why does a liver transplant cost so much?
Liver transplant surgery is a very complex surgery, pre-operative examination of the liver, then obtaining the correct liver is a very challenging task, the drugs used in these are also costly, and need to be used for many years.
Various dimensions affect the liver transplant surgery but here we will mainly discuss about specific dimensions only. It is shown below:
Does my FSA or HSA cover liver transplant cost?
Flexible Spending Account (FSA), Health Savings Account (HAS), and a Health Reimbursement Arrangement (HRA) covers all flexible expense for an organ transplant.Note: A dependent care flexible spending account (DCFSA) and limited-purpose flexible spending account (LPFSA) are not eligible for an organ transplant
Are liver transplant insurance tax-deductible in terms of health insurance?
Yes, liver transplant insurance is tax-deductible. But this thing depends on the nature of what type of insurance you have taken,
Which insurance companies in the United States of America perform the best insurance programs for liver transplant surgery and why?
The following insurance companies in the United States of America perform the best insurance programs for liver transplant surgery. It is shown below.
Note: Information source by www.thebalance.com
1. Kaiser Permanente: Toll free number (1-800-777-7904)
- POLICY TYPES:3
- AM BEST RATING:NR
- STATES AVAILABLE: 8
- PROVIDERS IN-NETWORK: 23,000 (doctors)
- Best for HSA Options
Pros:
- Strong customer service
- Health savings account options
- Variety of health plans available
Cons:
- Limited coverage areas
Qualifying expenses:
- Prescriptions
- Primary and specialty care visits
- Doctor and hospital visits
- X-rays
- Lab tests
- Ambulance and emergency care services
- Physical and occupational therapy
- Vision and dental care.
2. Blue Cross Blue Shield: Toll free number (1 (888) 630-2583)
- POLICY TYPES: 2
- AM BEST RATING:A
- STATES AVAILABLE: 50
- PROVIDERS IN-NETWORK: 1.7 million
- Best Large Provider Network
Pros:
- No matter where you live, there is a health care facility provider and accepts BCBS in your state.
- There are many policy options and there is a plan available no matter how much coverage you may want.
Cons:
- Limited coverage areas
- Customers have rated various BCBS companies less than 3.5 stars on Consumer Affairs.
3. UnitedHealthCare:
- POLICY TYPES: 4
- AM BEST RATING: A
- STATES AVAILABLE: 50
- PROVIDERS IN-NETWORK: 1.3 million
- Best Large Provider Network
Pros:
- Large PPO network
- Online health care services
Cons:
- Average or less-than-average overall customer satisfaction ratings in 2021 J.D.
4. Aetna: Toll free number (1-800-872-3862)
- POLICY TYPES: 5
- AM BEST RATING: A
- STATES AVAILABLE: 50
- PROVIDERS IN-NETWORK: 1.3 million
- Best for Employer-Based Plans
Pros:
- HSAs
- Nationwide coverage
- Wellness programs
Cons:
- Received a 2.5-star overall rating from Insure.com
- Only 67% customer loyalty rating
5. Cigna: Toll free number (1 (800) 997-1654)
- POLICY TYPES: 4
- AM BEST RATING: A
- STATES AVAILABLE: 13
- PROVIDERS IN-NETWORK: 1.3 million
- Best for Telehealth Care
Pros:
- Out-of-network care available without a referral
- Telehealth services
Cons:
- Limited coverage area
When do people medically need a liver transplant?
People need liver transplant therapy when the liver stops performing its natural function due to an injury or a specific liver disease.
The most common reasons why adults in the United States need a liver transplant are as shown below:
1. Alcoholic liver disease.
2. Biliary atresia is the most common reason children need a liver transplant.
3. Cirrhosis caused by chronic hepatitis B or C.
4. Cancers that start in the liver.
5. Fatty liver disease (nonalcoholic steatohepatitis).
Acute liver failure is an uncommon medical condition often caused by too much acetaminophen (NIA).
Doctors may consider a liver transplant medical procedure to treat rare disorders: like urea cycle disorders and familial hypercholesterolemia.
Because of the negative effects of the medicines prescribed by the doctor, non-medical herbal medication, and illegal medicines, we may need liver transplants. It is shown below.
1. Genetic disorders.
2. Blockage of the blood vessels to the liver.
3. Viral hepatitis.
4. Toxins.
5. Autoimmune diseases.
What are the types of liver transplant procedures?
There are mainly two important procedures of the liver transplant procedure; it is shown below.
1. Deceased donor transplant procedures.
2. Living donor transplant procedures.
1. Deceased donor transplant procedures: Livers for liver transplants are mainly obtained from people who have just died and are called deceased donors. During a deceased donor transplant procedure, surgeons remove your injured or diseased liver and replace it with a liver provided by a deceased donor
An adult person usually obtains an entire liver from a deceased donor, although surgeons may split a donor’s liver into two parts, providing a larger portion to an adult person and a smaller portion to a younger adult or young child.
2. Living donor transplant procedures: A healthy living person can donate part of their liver for a liver transplant procedure, often to a family member who has been recommended for a liver transplant procedure. This type of donor is called a living donor.
During a live donor liver transplant procedure, a part of a healthy person’s liver is transplanted to where a person has liver disease or has been damaged due to an accident.
What reliable insurance plans cover liver transplant surgery in the United States of America?
Our health insurance covers liver transplant surgery as a person’s chances of without a liver transplant are unimaginable.
So it is a good option for a person having organ transplant surgery but in health insurance, whether the insurance company is providing you coverage for organ transplant surgery or not depends on the nature of your insurance plan and its premium.
Note 1: But here the convenience of the readers, I am providing information about some specific types of insurance plans approved by the United States Government, which are helpful for liver transplant surgery of the readers; these are shown below.
1. Health Insurance.
2. Medicare.
3. Medicaid.
4. Comprehensive Care.
5. Convenient Accommodations.
Note 2: Read the article in detail to understand in detail the working of different types of insurance plans to get coverage for liver transplant surgery.
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FAQ (Frequently Ask Question about how much does a liver transplant cost with insurance).
How to choose the Right Hospital for Liver Transplant?
Readers can choose a suitable hospital for liver transplant surgery by following the points mentioned below.
1. JCI /NABH Accredited Hospital.
2. Separate and dedicated to Liver Transplant Surgery Department.
3. Highly-skilled and many experienced Surgeons and their teams.
4. Well-equipped and the latest and modern, the most advanced state of the Robotic art set-up.
5. Focus on patient safety after surgery, success rate, and modern treatment
How to determine the appropriate liver transplant cost before and after surgery?
Liver transplant surgery is a complex procedure, due to which there are various costs involved that are medically necessary, it is shown below.
Liver transplant patients covered by health insurance usually cover various out-of-pocket costs for liver transplants, including doctor visits, laboratory tests, prescription drug copies, and up to 10% to 55% for surgeries and other procedures.
Health insurance usually covers liver transplant. The main reason for this is that if the liver is damaged, it is necessary to replace it medically, in the absence of which the person can also die.
If a person does not cover their liver transplant procedure through health insurance, the cost of follow-up care for the first six months after this liver transplant procedure and a variety of essential medicines usually costs
$ 575000 or more.
If a person plans his liver transplant through an insurance company, the cost of liver transplant procedure can be surprisingly low and range from around $100,000 to $ 150,000.
Anti-rejection drugs are essential in liver transplant medical procedures, the average cost of which can exceed $3000 per month.
These costs include pre-surgery medical tests, surgery, hospitalization, follow-up care, anti-rejections, and other necessary medications to resolve of various complications.
How eligible candidates are selected for liver transplant procedure?
A screening is conducted at the transplant center to select an eligible candidate for liver transplant based on whether the transplant patient is a candidate for liver transplant or not.
If a living donor is being used in a liver transplant, various of medical laboratory test will be conducted to ensure compatibility.
If a deceased donor is being used for a liver transplant, you will need to sign up for a waiting list.
Liver patient waiting times are basically determined by patient scores on the Model for End-Stage Liver Disease which helps determine which patients need it the most.
Who provides the transplant process with a step-by-step guide for liver transplant?
A step-by-step guide to a liver transplant provides by Organdonor.gov.
Note: During liver transplant surgery, the patient is placed under anesthesia, and the surgeon removes the patient’s living liver and places a donor-provided liver into the body that connects different types of veins, arteries, and bile ducts into one. A patient can usually stay in the hospital for one week or longer.
What majorly affects the cost of a liver transplant?
The overall cost of a liver transplant is primarily affected by the percentage of complications involved in liver transplant surgery.
A liver transplant patient needs to take lifelong anti-rejection drugs, which can cost $3000 per month or $36000 per year or more.
Note 1: Anti-rejection drugs are usually covered by insurance.
Note 2: If a transplanted liver begins to fail, it is sometimes possible for a patient to live long enough to receive a second transplant. Several studies show that about 32% of deceased donors fail within five years, and about 46% to a liver transplant within ten years.
Where should I get a liver for a liver transplant?
For a liver transplant, the liver must be obtained from the following sources, it is shown below:
1. The National Digestive Diseases Information Clearinghouse offers a detailed guide to the liver transplant process.
2. The Scientific Registry of Transplant Recipients offers a transplant center locator.
3. The National Kidney Center offers a guide to choosing a transplant center.
How to choose the right Doctor for a Liver Transplant?
Readers can choose a right Doctor for liver transplant surgery by following the points mentioned below.
1. Check for specific Liver transplant qualification: Fellowship in Multi-organ and Liver Transplant and/or Expertise in Hepato-Biliary Surgery.
2. Check for success rate (more than 90% is excellent).
3. Check for the number of surgeries performed.
Conclusion:
A liver transplant surgery is considered very complex surgery, and achieving a liver is always challenging. For the successful completion of this surgery, each person has to go through different stages; because of this, complete information about it gives a better path to any person.
This article has been created for the positive help of the readers. In which proper information has been provided about liver surgery and different types of insurance that help in this.
In this article, I have written in detail about the different types of insurance that provide coverage for liver surgery.
Insurance covering liver transplant surgery can save a person from many expenses, and it also helps the readers in how to manage the cost of surgery.