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Financial Counseling

When you’re approved and waiting for your transplant, you don’t want to worry and wonder about payment for your surgery. Our financial coordinators help you understand the options. They will meet with you to:

  • Answer your questions
  • Review your insurance
  • Discuss other coverage

First, our financial experts will determine if your insurance covers your care at Geisinger. Then, they will provide you with a benefit summary, with information on what your plan covers and what you may have to pay. Some options include:

  • Medicare - Parts A and B pay most of the costs for transplant surgery, but deductibles for hospital and professional costs do apply. Medicare also covers 80 percent of physician fees and medications to control organ rejection.
  • Medicaid
  • Employer Group Health Insurance - This is provided to you by an employer. Get a benefit booklet from the employer’s human resources department, since deductibles, co-pays and out-of-pocket limits vary.
  • Individual Insurance - Check the Pennsylvania Insurance Commissioner’s Office at http://www.ins.state.pa.us/ins/cwp/view.asp?a=1339&q=545114  to find out what plans are available.
  • Chronic Renal Disease Program (CRDP) - Money is set aside each year by the state to help people (within income guidelines) pay for some costs of end-stage renal disease or kidney transplant. See Health: Chronic Renal Disease Program (CRDP).
  • Fundraising - You may want to consider doing some fundraising for out-of-pocket expenses not covered by insurance. Two organizations that may help are: