Transplants are necessary if you have certain type of failures. If you qualify to receive an organ, and are in a lucky position to have made one available to help save your life, will Medicare cover it? That is a fear of many Medicare-eligible person because will it cost you an arm and a leg to get a heart?
Does Medicare cover Transplants?
Medicare does partially cover heart, lung, kidney, pancreas, intestine, liver transplant, bone marrow, and cornea transplants if you are qualified. The actual transplant is covered by Original Medicare Part A, and you would still owe Part A deductible $1,364 and possible coinsurance, and transplant immunosuppressive drugs are covered by Part B, you will owe Part B deductible ($185), copays, and coinsurance.
One of the major benefits of being enrolled in Original Medicare is you utilize any facility or transplant doctor in the nation that accepts assignment.
Does Medigap Cover Transplants?
Most Medigap plans will pay part or all of your Transplant costs, Part A deductible $1,364 (Medigap Plan A does not), and all Medigap cover all or part of your Part B copays and coinsurance to cover your transplant immunosuppressive drugs, however only Medigap C and F will also cover your Part B deductible ($185).
One of the major benefits of Medigap is it works with Original Medicare’s nationwide network.
Does Medicare Advantage Cover Transplants?
Medicare Advantage does cover some of the costs transplants. However, there are a few things to note, since most Medicare Advantage plans are HMO need to contact their plan to see how their Medicare Advantage provider requires prior authorization (as it can be different from Original Medicare) and how the plan covers your costs.
One of the drawbacks of Medicare Advantage is they are generally HMO networks. This could mean that you have limited amount of doctors and hospitals to choose from to perform your transplant.
For further questions call a Senior65 agent at 800-930-7956.