Your Cost of Donating
“Wait! I was told donating wasn’t going to cost me anything! What do you mean by ‘your cost of donating’?”
The good news is, if you are willing and able to be a living donor, the health insurance of your recipient usually picks up all the medical costs directly related to your donation. For example, insurance pays for the expenses of testing, physical and psychosocial evaluations, the surgery, and the time you spend in the hospital recovering.
However, there may be expenses you would pay out of your own pocket and you may have lost wages. For example, if you’re employed, you’ll need to take time away from work for your evaluation, surgery, and recovery. That means you won’t be earning a paycheck unless you have some form of disability insurance or paid time off benefits to cover your time away from work. A recent survey of living donors revealed that only 14% were able to return to work within two weeks of surgery; 32% returned in three to four weeks; 30% returned in five to six weeks; and 24% need more than six weeks before returning to work. The median time off from work was a little over five weeks. So maybe you can plan on six weeks off and hope for less.
You may also need to pay for travel expenses, child/elder/pet care, and help with every-day activities while you’re recovering.
You will also be committing to a lifetime of healthy living after you donate in order to protect your remaining kidney. At the very least, that means an annual physical exam that checks your kidney’s health, your general health, and your psychological wellbeing.
One study revealed living donors had out-of-pocket expenses of about $450 on average. But the range was wide, from as little as $10 to more than $10,000. A third of the donors also lost wages averaging about $2,700. Another study showed living donors had expenses that averaged about $1,300, and lost wages of about $5,500.
How Much Will You Have to Pay?
Fortunately, we can help you anticipate any out-of-pocket expenses and find possible resources to help you cover those costs.
LDO created a spreadsheet to help you estimate the expenses you might have to pay out of your own pocket. It’s based on the experiences of other living donors. It’s a big spreadsheet because it tries to capture all of the types of costs you might have to pay. You probably won’t have all of those expenses, so if there’s an expense you don’t think you’ll have, you can skip it and move on to the next one. If you’re not sure what the cost will be, just make a guess. You can come back later and change it.
When you click here the spreadsheet will automatically download to your computer or phone.
There are instructions on how to use the spreadsheet on tabs in the spreadsheet. Be sure to click on the tabs at the bottom of the spreadsheet.
Do you have questions or need help with the spreadsheet? Send an email to us and we’ll help you out.
Financial Resources for Living Donors
There are several organizations that want to help reduce or eliminate the financial barriers to living donation. Here are some examples:
- National Living Donor Assistance Center provides reimbursement of certain expenses if you meet the income-based requirements for eligibility.
- American Society of Transplantation’s Live Donor Financial Toolkit helps you identify potential out-of-pocket costs.
- American Transplant Foundation’s Patient Assistance Program helps cover lost wages.
- Transplant Recipients International Organization’s United Airlines Travel Program provides travel assistance.
- National Kidney Registry’s Donor Shield program provides insurance and reimbursement of expenses and lost wages.
- Georgia Transplant Foundation’s Living Donor Assistance program provides financial assistance to living donors in Georgia.
- Iowa’s Anatomical Gift Transplantation Fund Grant provides assistance for living donors in Iowa.
If you are employed, ask your employer if they have programs to help you through the process, such as paid leave for donation and other paid time-off programs. For example, state employees in North Carolina are eligible for three weeks of paid leave under the state’s Living Donor Protection Act. Here is a list of other states’ donor leave policies.