Your financial situation is unique to you. If you have questions about your insurance, ask your insurance provider or social worker, or financial specialist.

Tell your transplant coordinator if you have any changes in your insurance coverage.


If you have end stage renal disease, Medicare will pay for kidney transplant and dialysis. You are eligible for Medicare regardless of your age if you need a transplant or dialysis.

To qualify for Medicare Part A (hospital insurance):

  • you or your spouse must have worked the required amount of time under Social Security, the Railroad Retirement Board, or as a government employee.
  • you, your spouse or a dependent child are receiving or are eligible for Social Security or Railroad Retirement case benefits.

You may also enroll in Medicare Part B (medical insurance). For this, you pay a monthly fee, or premium. Most of the services and supplies needed by people who have end stage renal disease are covered under Part B.

Both Medicare parts A and B cover kidney transplants as long as they are done in transplant centers approved by Medicare.

If you also have private insurance, Medicare will be your secondary carrier during the 30-month coordination period. This means your private insurance will pay for most of the bills during this period.

To enroll in Medicare

You can enroll in Medicare at your local Social Security office. For the office nearest you, call 1-800-772-1213 from a touch tone phone. You will be asked to punch in your zip code and leave a recorded message. Your social worker can help you if you have questions. 

Private insurance

Most insurance policies cover kidney transplants. Please check with your insurance provider to make sure your transplant is covered. Ask exactly what is covered (such as a hospital stay, medicines or dialysis).

Important: You will want to verify with your insurance provider that Abbott Northwestern Hospital is a participating network provider. Some plans require transplants be done at certain hospitals or transplant centers.

Source: Allina Health Patient Education, Kidney Transplant Information for Recipients and Donors, renal_ahc_93498
Reviewed By: Allina Patient Education experts, including the Transplantation Department of Abbott Northwestern Hospital
First Published: 05/15/2009
Last Reviewed: 05/15/2009


Check with your insurance provider for coverage and requirements. It is important that you understand your insurance coverage so you know exactly what services will be paid for. You may need to get referrals and notify your insurance company of your hospital stays.

If you need help, ask your social worker or financial specialist.

Tell your kidney transplant coordinator if your insurance changes. If not, you may have high copays for the surgery.

If you have questions about Medicare coverage, call the Social Security office or ask your social worker or financial specialist.