I am looking into being an altruistic kidney donor. I should be a good canidate for this - healthy 47 yr old man; have never smoked or drank alcohol (I know, I'm a boring guy). I have no work issues or financial pressures. I can deal with the pain (related to the surgery) for the sake of someone else; and I understand the risks that come with this event.
Given that background... my bigger concerns are related to insurance - both health and LIFE insurance.
I have a wife and three younger children (13, 11, 6). I have a life insurance policy that (added to my current assets) would give my wife a secure future (to stay at home and raise our kids and care for herself). I suspect my life insurance policy would not accept this type of "voluntary" risk - although I will try to get some confirmation from the carrier one way or the other. Per chance, do any of you know if there is short-term life insurance (one year) available that would cover the risk of this procedure for say, up to a year?
Are there specific questions that I should ask my current health insurance provider related to covering any issues I may have from this procedure? Obviously having someone at my insurance company verbally say "you're covered" is different than having clear proof of it - so what specifically should I request from my insurance company that clearly shows I am covered to the degree they commit to verbally? What commitments for care should I expect (and get from) from the patient's insurance company? ("patient" being the one who needs the kidney)?
Sorry for the lengthy post, and thank you in advance for any advice or direction you can provide.
Rod