Health Insurance and Transplants

[Guest guest]

I was hoping to hear some feedback from folks regarding transplants

and health insurance. I am in the position to be picking the group

policies for my business and have seen a lot of differences in the

policies when it comes to transplants. Here are a few questions:

1. When considering a plan's maximum lifetime benefit how much of a

considering should this be? Is a policy with a $3 million maximum

acceptable for us? Or should we be shooting for the $5 million or

$10 million lifetime maximums?

2. Do any of your plans have seperate deductibles for transplants?

I have seen several that have a seperate column with deductibles up

to $30,000. How much have some of your out of pocket expenses been

for transplant?

3. Have any of you had coverage for aeromed/jet ambulance services?

Some companies I have been looking at will provide this benefit up to

$15,000 to jet you to your transplant center when a liver is

availalbe. Is this even realistic to use this kind of service?

4. Has anyone had trouble getting their transplants approved by

insurance? Do you have any carriers that you recommend that were

easy to work with?

5. Any other feedback or comments that might be helpful as I'm

picking a policy. I need to be careful because this plan is for my

employees too and even though we cover 75% of the cost I don't want

to pad thier bills when I anticipate a service I may need some time

down the road.

Thanks for any feedback that you can offer!

Rick