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, will Medicare cover it? That is a fear of many Medicare-eligible people.
Does Medicare cover Transplants?
Medicare does partially cover heart, lung, kidney, pancreas, intestine, liver, bone marrow, and cornea transplants if you are qualified. The actual transplant is covered by Original Medicare Part A, and you would still owe the Part A deductible of $1,632 and possible coinsurance. On the other hand, transplant immunosuppressive drugs are covered by Part B after you pay your Part B deductible ($240), copays, and coinsurance.
Does Medigap Cover Transplants?
Most Medigap plans will pay part or all of your Transplant costs, your Part A deductible and your Part B copays and coinsurance. However, only Medigap Plan F and C will cover your Part B Deductible. Still, most people decide to enroll in Plan G because if has a considerably lower premium.
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Does Medicare Advantage Cover Transplants?
Medicare Advantage does cover some of the costs of transplants. However, each MA plan can provide different coverage.
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For further questions call one of our licensed agents at 800-930-7956.