Finances and Insurance

Hospital Costs for a Heart Transplant

At times, the cost of a heart transplant may seem overwhelming. The Children’s Heart Transplant team is here to help you. A financial counselor can help you learn about your insurance benefits and payment options. A heart transplant financial counselor can also:

  • Contact your insurance company and find out about your child’s benefits
  • Get approval for the heart transplant evaluation and heart transplant
  • Meet with you through the heart transplant evaluation to review your insurance benefits
  • Answer benefits questions
  • Help assess your financial needs
  • Talk about making a long-term financial plan for your child’s healthcare needs
  • Help get your child into a case management program, if your insurance company has this service
  • Help you learn about government programs for which you qualify
  • Teach you about hospital and doctor billing practices

Financial counselors at Children’s can also help you with:

  • Financial aid packets for the Charitable Hospital Fund. Aid is based on federal poverty guidelines and other financial guidelines.
  • Questions regarding Medicare, Medicaid, Georgia’s PeachCare program and hospital and doctor payment plans.
  • Which government assistance your child can receive. The counselor can help you fill out forms and paperwork. There may be a lot of paperwork to complete. Fill out all the forms as soon as possible. The sooner the papers are sent, the sooner you can receive benefits. This process may take weeks or months to complete.

Please let the office know if your insurance coverage has changed. Medical bills can be confusing. Please let the Children’s Heart Transplant financial counselor know if you are having any financial trouble regarding your child’s medical costs.

Insurance Companies

Children's contracts with many different insurance providers for transplant services. It is important that you know about your insurance policy.

Helpful Hints:

  • Ask someone in your company’s human resources department to explain your benefits.
  • If your doctor or hospital is not “in-network,” please contact your insurance company to discuss your co-insurance rates and out-of-pocket costs.
  • Your insurance company may ask you to give them a letter of medical necessity so your child can be treated at Children’s. Please contact the Children’s Children’s Heart Transplant Transplant financial counselor to help you get this information from your transplant surgeon.
  • Bring a copy of your insurance benefits with your deductible and co-payment amounts each time you visit the hospital.
  • Be sure to tell the Children’s Heart Transplant office right away of any changes in your address, phone number or insurance coverage.

Helpful Hints in the Billing Process

You will receive bills from several places: hospital bills, known as technical or facility fees, and doctor bills, known as professional fees.

  • If you have a question about a bill, please call the phone numbers listed on your billing statement.
  • Make a file for hospital bills and insurance forms. This will help you to track payment, denials and requests for more information.
  • You may need to call your insurance company to ask questions about the heart transplant. Ask to speak to someone that can answer heart transplant-benefits questions.
  • Below is a list of common offices that will send you bills:
  • Children’s Healthcare of Atlanta for all services received at any Children’s hospital or satellite location
  • Emory Children’s Center for any doctor-related services
  • Emory Clinic for any radiology, pathology and anesthesiology services
  • Other staff or doctors who care for your child
  • Read bills closely. You may receive statements that are still pending payment. These statements are for your records and are not bills. Please respond to all inquiries from your caregiver’s billing offices or your insurance company.