Living Donation Q&A
Part 3: Living Donation Finances
Who pays for the medical expenses related to living donation?
The costs for the medical testing, surgery and post-operative care are covered by the transplant hospital or recipient’s health insurance. However, the living donor is responsible for the cost of routine health screens and treatment of any medical issues discovered during the evaluation. The cost of treatment of future issues that result from the donation, may be covered. Medical costs that are not covered include post-surgical routine health maintenance. Employed living donors should learn about their company’s paid sick leave, disability and the Family and Medical Leave Act (FMLA) policies if applicable. A transplant financial coordinator is available at each transplant hospital to answer questions.
Will the living donor have any out of pocket expenses?
Yes. It varies case by case and could include lost wages, travel expenses, childcare costs, etc. The National Organ Transplant Act allows for organ recipients to pay their living donors’ travel and housing in connection with the donation. The transplant hospital financial coordinator will check with the insurance company of the intended recipient as the policy may provide a travel benefit. There are organizations that provide financial resources to living donors for uncovered costs depending on need. Transplant hospitals can provide additional information about options.
- National Living Donor Assistance Center (NLDAC)
- Note that eligibility for financial assistance from NLDAC is based on the recipient’s household income which may not be more than 300% of the current Federal Poverty Guidelines.
Will a living donor have trouble getting health insurance or life insurance after they donate?
Being a living donor may affect the ability to get health or life insurance. The transplant team can provide details.