Financial Information

Financial planning is an important aspect of the transplant process. Each transplant program has a financial coordinator who will help you understand the cost of transplantation, your individual transplant benefits, and the overall transplant financial process. You will need to know how much your insurance will pay for each transplant phase (evaluation, transplant admission, post-transplant care) and for medications after transplant. It is unlikely that one single source will cover all of these costs. Often it is necessary to draw on savings accounts, investments, federal and private assistance options and fundraising. The financial coordinator is available to answer questions about insurance coverage and to assist you in identifying financial resources available to you.

Before your evaluation:

  • Call your insurance carrier to see if your plan covers transplantation.
  • Request a copy of your benefits for transplantation, including deductibles and co-payment amounts.
  • If you are covered by Medicare, refer to the current Medicare handbook for deductibles and co-payment amounts.

During your evaluation, you will meet with the social worker and financial coordinator to discuss financial and social issues in detail. Most insurance companies require a review of your evaluation results to determine if you meet their criteria before they agree to pay for a transplant. You will be asked to sign a consent form authorizing Emory to release the medical information from your evaluation to your insurance company.

If you are a candidate for a transplant, the transplant program will work with you in obtaining approval from your insurance company. If your insurance carrier denies authorization of benefits, the transplant program will write a formal letter of appeal for you. However, please be advised that gaining insurance approval is ultimately your responsibility.

Call the Financial Coordinator before your evaluation if you:

  • have any questions regarding your insurance
  • do not have insurance
  • do not have benefits for transplantation
  • are denied coverage for a transplant
  • would like to discuss other financial assistance options

You will be responsible for the following:

  • all deductibles, co-payments and noncovered services as outlined in your health plan
  • any balance between charges and what your insurance carrier pays
  • obtaining a list of those charges and an explanation of how they are derived
  • obtaining referrals and other requirements as outlined in your health plan

Billing: Authorization by your insurance company for medical services provided by Emory does not guarantee full payment of all charges.

You will receive separate billing statements with separate billing account numbers for Emory University Hospital (inpatient and outpatient hospital services) and the Emory Clinic (inpatient and outpatient physician fees).

If you have billing issues related to your Emory Clinic physician or your stay at Emory University Hospital, please contact the following departments:

The Emory Clinic Customer Service Department: 404-778-7318

Emory University Hospital Patient Accounts Department: 404-686-7041