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A male nurse escorts a female patient to her room as she recovers from receiving her transplant.

Financial counseling for transplant patients in Houston, Texas

Going through the transplantation process requires detailed financial planning. Knowing in advance what to expect is an essential part of the process. In addition to pre-transplant costs, patients must consider the lifelong costs of medications, follow-up visits, and periodic testing. Our financial counselors are committed to helping you assess these costs and explaining all options available.  

Important note if you are already a patient:
We recommend you call your assigned Baylor St. Luke's Medical Center financial counselor 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

Our financial counselors help you assess costs and other aspects of your transplant experience. They will help determine how much your insurance will pay and how much your out-of-pocket expenses will be. The financial counselors will also assist you in locating resources to help with the costs of transplant.

Authorization by your insurance company for medical services provided by Baylor St. Luke's Medical Center does not guarantee full payment of all charges. You will be responsible for all remaining costs.  

You will be responsible for the following:

  • All deductibles, co-payments, and non-covered services as outlined in your health plan.
  • Any balance between charges and what your insurance carrier pays as usual and customary charges.
  • Contacting your insurer for a list of those charges and an explanation of how they are derived.
  • Obtaining referrals and other requirements as outlined in your health plan.

Your financial counselor may suggest fundraising as an option to cover transplant expenses. Here are some general fundraising resources to consider:

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