How Your Insurance Coverage Impacts Your Liver Transplant

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While pharmaceutical treatments are in the works for some cirrhotic patients, for many others suffering with cirrhosis, the only cure is a liver transplant. Most people diagnosed with cirrhosis of the liver are eventually placed on a waiting list for a liver transplant. If you have been placed on a waiting list, you may feel frightened and overwhelmed. While you are waiting for a liver donor, learning more about what your insurance will cover during and after your transplant is important.

Is Cirrhosis Considered A Pre-Existing Condition Issue?

Thanks to the Affordable Care Act, insurance companies can no longer deny you coverage for treatment of a condition you may have had before your coverage started. You cannot be charged more for the treatment of a pre-existing condition based on gender as well. However, if you are insured by a private insurance company that you chose and pay for yourself, you may not be entitled to pre-existing care like that of people covered under the insurance they are provided by through their employer. To obtain insurance that does cover pre-existing conditions like cirrhosis of the liver, visit the Marketplace online.

Coverage For Immunosuppressant Drugs After Your Transplant

Depending on your insurer and your particular prescription plan, some drugs you may need to take after a liver transplant may not be covered. Learning what medications are covered is vital for you to know a more accurate figure of future out-of-pocket costs for your transplant. Bear in mind some medications or treatments after your transplant is done are necessary for giving your body what it will need to avoid rejection of the new organ. 

Coverage For Transportation And Accommodations

Some cirrhosis patients live far away from the medical facilities able to help them the most. This is especially true about organ transplants of any kind. If you know the destination that your transplant would take place at, find out if your insurer covers the cost of your travel expenses and accommodations. While this may seem like a small aspect of your procedure to consider if you live close to a hospital, knowing for certain you would have that option for coverage is best in the event you end up being sent to a facility farther than what you thought.

Dealing with the diagnosis of liver cirrhosis is hard, but making plans for your survival can help you stay focused and positive about your condition. Always follow your doctor's instructions and be sure to discuss any concerns you have about your health insurance coverage with your agent. By doing so, you can have the peace of mind you need for focusing on healing.

To find out more information, contact an insurance company such as Quesenberry Agency For Blue Cross-Blue Shield.