Medicare will cover a liver transplant, but what about the out-of pocket expenses? A Medicare Supplement plan may be able to help with the out-of-pocket costs that can add up.
Liver transplant costs
Liver transplants performed at a Medicare-certified facility are covered under your Medicare Part A plan. The doctor services that come along with a transplant are also covered, but under Medicare Part B.
Under Original Medicare, you will be required to pay 20 percent of the Medicare-approved amount for doctor services that are needed due to the transplant.
You may have to pay your Medicare Part A deductible if you have not fully met the requirement before Medicare will cover all hospital expenses. The 2019 Medicare Part A deductible amount is $1,364. The same applies to Medicare Part B with any doctor services. The 2019 Medicare Part B deductible amount is $185.
You will likely be required to pay additional transplant facility charges. However, Medicare will cover all Medicare-approved lab tests.
In the case that you need a liver transplant, having a Medigap plan could save you a lot of money on healthcare costs.
By having a Medigap plan, you can avoid potential costs that can pop up with a transplant that Medicare will not cover. Medigap plans can help you avoid paying expensive out-of-pocket expenses.
The Medigap plans available to you can vary based on the state in which you live. Most states have a standard 10 Medigap plans available. The Medigap plans will cover most, if not all, of the coinsurance and copayments that come along with Medicare Part A and Part B.
Medicare covered transplants
Medicare coverage extends to more than just liver transplants. The following organ transplants are also covered:
For more information, visit medicare.gov. Follow us on facebook for everything you need to know about Medicare.