Financial and Legal Preparations Blood and Bone Marrow Transplant
(608) 265-1700 (clinic)
The Blood and Bone Marrow Transplant program at University of Wisconsin Hospital and Clinics in Madison, Wisconsin has served adult patients since 1981 and pediatric patients since 1982.
Working with Your Insurance Company
Contact your insurance company and ask to be assigned a transplant case manager. Write down the case manager's name and direct phone number. Your transplant coordinator will work with your case manager to provide medical records and written treatment plants to your insurer.
Insurance policies differ in what they will cover. UW Hospitals and Clinics will require approval for transplant from your insurer before appointments or tests for transplants are done.
After transplant, you will be prescribed many medicines to keep you healthy while you recover. Find out if you have an insurance policy that covers medicine both in the hospital and after you are discharged.
If you do not have health insurance, you may qualify for a governmental health insurance, such as Medicaid, BadgerCare, or Wisconsin High Risk insurance. Our program works with a financial advisor in the Admissions Department who can help answer questions about this.
Disability payments from the Social Security Administration can be a great way to help with the costs of stem cell transplants and any time you may need to take off from work.
There are two types of government disability benefits:
- SSDI (Social Security Disability Income) is a monthly income you could receive if Social Security records show that you have worked long enough and the Disability Bureau agrees that you are disabled.
- SSI (Supplemental Security Income) is also a monthly income you can receive if you have low or no income and the Disability Bureau agrees that you are disabled.
Some patients have "private" disability insurance plans for either short-term or long-term periods of disability through their employer. If you need information about that type of disability insurance, contact your employer's Human Resources Department.
Information about Social Security disability benefits is available at http://www.ssa.gov.
- Create a Durable Healthcare Power of Attorney and complete the Advance Medical Directive. Make sure that your will has also been updated to reflect any personal wishes you may have.
- Put all important legal documents your family might need in one space that they know about in case they need to find it.
- Ensure that you are being treated fairly by your employer and not discriminated against. It is a violation of the Americans with Disabilities Act to discriminate against you because of a medical diagnosis.
- It is illegal for insurance companies to decrease benefits (whether you are on your own insurance or someone else's) because of a diagnosis.