After you have your transplant and leave the hospital, you will still have many transplant costs that may not be covered by your insurance. You may also have additional expenses that you didn’t have when you were in the hospital. These costs may include added transportation and outpatient co-pays for doctor visits and medication. Be The Match® and your financial coordinators will continue to be available to help navigate your insurance coverage.
Maintaining health insurance coverage
After transplant, follow-up health care needs can be unpredictable. Take care that you don't have a break in health insurance coverage because your follow-up care can be costly. Here are some suggestions on ways you may be able to maintain health insurance:
- Adding yourself to your spouse's insurance policy.
- Continuing insurance benefits through the Consolidated Omnibus Budget Reconciliation Act (COBRA). COBRA gives people the right to keep their health plan for a certain amount of time after leaving a job. COBRA payments may seem high, but the cost of losing insurance would be higher.
- Joining a state risk-pool program. Some states have risk pools that serve people who have trouble getting insurance because of a pre-existing health condition or other reasons.
New options through the Affordable Care Act
ExploreBMT is a resource to connect you and your family with financial support and information from organizations you can trust.
Some patients may have new insurance coverage options through the Affordable Care Act. This may include Health Insurance Exchanges or expansions in Medicaid. The Affordable Care Act also creates new rules for insurance companies. These rules begin in 2014:
- Insurance companies cannot deny coverage based on a pre-existing condition.
- Insurance companies cannot place a lifetime limit on essential health care benefits.
To learn more about accessing benefits through the Affordable Care Act visit healthcare.gov.
Help with paying for medications
Your medicines after transplant are critical to your health. Stopping or reducing any may be life-threatening. If you are having difficulty paying for these contact your transplant doctor right away and ask:
- if there are other, less expensive options
- if pharmaceutical companies have programs for reduced cost drugs
- if there are grants available to help cover the costs of co-pays
Be The Match financial grants
Be The Match offers financial grants for patients who use a Be The Match donor and are less than 1 year out from transplant. Learn more about financial assistance.
Be The Match can help you learn more about managing your medical bills and connect you with financial assistance resources. Contact our patient services coordinators at 1 (888) 999-6743 or firstname.lastname@example.org.