{"id":3580,"date":"2014-11-24T11:23:03","date_gmt":"2014-11-24T16:23:03","guid":{"rendered":"http:\/\/www.khpi.org\/blog\/?p=3580"},"modified":"2015-01-18T15:55:45","modified_gmt":"2015-01-18T20:55:45","slug":"financial-status-a-barrier-to-organ-transplantation-but-not-donation","status":"publish","type":"post","link":"http:\/\/www.khpi.org\/blog\/financial-status-a-barrier-to-organ-transplantation-but-not-donation\/","title":{"rendered":"Financial Status a Barrier to Organ Transplantation But Not Donation."},"content":{"rendered":"<h1>It is easier to give than to receive in the transplant world.<\/h1>\n<p><a href=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/human-organ-box.jpg\"><img loading=\"lazy\" class=\"alignright size-thumbnail wp-image-3584\" src=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/human-organ-box-150x103.jpg\" alt=\"organ donation\" width=\"150\" height=\"103\" srcset=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/human-organ-box-150x103.jpg 150w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/human-organ-box-300x207.jpg 300w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/human-organ-box-433x300.jpg 433w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/human-organ-box.jpg 677w\" sizes=\"(max-width: 150px) 85vw, 150px\" \/><\/a>In a comment added to a<a title=\"Catholic Health Initiatives Annual Report, FY 2014.\" href=\"http:\/\/www.khpi.org\/blog\/chi-annual-report-fy-2014\/\" target=\"_blank\"> recent article<\/a> about the current financial status of Catholic Health Initiatives (the parent company of KentuckyOne Health) it was alleged that Jewish Hospital in Louisville did not accept Medicaid patients for organ transplantation. Because of the seriousness of this allegation, I was reluctant to allow it to stand without further comment. I therefore did some research and elicited comments from involved parties. The results trouble me and highlight yet another major example of the disparity of access to health care in our inherently unfair non-system, dividing Americans as it does by socio-economic status. In the case of transplantation, the operational result is particularly ugly, because the weight of government regulation and community has given us a morally indefensible result analogous to the rich stealing organs from the poor. I call this an example of the \u201cReverse Robin Hood\u201d nature of America\u2019s National Health System! Neither Jewish Hospital nor UofL are responsible for this situation, but have benefited from it.<!--more--><\/p>\n<p>The solid organ transplantation program at Jewish Hospital is one of only two such centers in Kentucky. (The other is 78 miles away in Lexington at the University of Kentucky.) Although it has been staffed professionally with faculty from the University of Louisville, since its inception, the Center\u2019s administration and marketing have been firmly in the hands of Jewish which promotes it as an example of the high-tech status of its hospital. Organ transplantation programs pay well and enhance reputation. We have already seen how having transplantation programs gives a <a title=\"U.S. News &amp; World Report\u2019s Best Hospitals\u2014 Do we have any in Kentucky?\" href=\"http:\/\/www.khpi.org\/blog\/u-s-news-world-reports-best-hospitals-do-we-have-any-in-kentucky\/\" target=\"_blank\">boost to hospitals<\/a> in some quality ratings.<\/p>\n<p>Transplantation of solid organs such as kidneys, hearts, lungs, and livers has moved beyond the experimental stage to become the standard of medical care for many conditions. It is common knowledge however, that there is a shortage of donated organs compared to the justifiable demand. We are all exposed regularly to entreaties to donate. Our state and local governments facilitate this process in several ways such as linking the process of obtaining prior consent to donate with applying for a drivers license. The Federal Government designates\u00a0<a title=\"United network for organ sharing\" href=\"http:\/\/www.unos.org\" target=\"_blank\">Organ Procurement Organizations<\/a> around the country to coordinate the process of obtaining organs and distributing them to transplantation centers. Furthermore, hospitals that participate with Medicare and Medicaid are required by federal regulation to ask the families of potential donors for consent to remove organs when brain or cardiac death is present or anticipated. Everyone is potentially in the pool of eligible donors\u2014 rich and poor alike. I have <a title=\"Harvesting Organs From the Poor.  The American Way.\" href=\"http:\/\/www.khpi.org\/blog\/harvesting-organs-from-the-poor-the-american-way\/\" target=\"_blank\">written about this dichotomy before<\/a>, but I have seen no additional public discussion.<\/p>\n<p><strong>Complicated organ distribution system.<\/strong><br \/>\nFor donors, eventually a point is reached when the interests of the organs take priority over interests of their current owners and then it is the organs that receive advanced life support. Once death has occurred or been pronounced, the organ is offered to the next eligible transplantation center identified through an algorithm that combines multiple medical and non-medical factors too complex to fully describe here. The fairness of the organ allocation process has been prominently and self-servingly disputed by hospital lobbyists. Given the scarcity of organs, I doubt that a solution acceptable to all centers exists. Money and status compete with the desire to do good.<\/p>\n<p><strong>Objective disqualification.<\/strong><br \/>\nTransplantation centers evaluate patients who have applied to be on their waiting lists both before acceptance and after a potential organ becomes available. Some of the factors considered in this rationing process are fairly objective and defensible from a medical science perspective. For example, the blood type and transplantation antigens of donor and recipient must be compatible. Particularly in the case of children, the organ may need to be of a particular size. There are few issues of ethical concern here.<\/p>\n<p><strong>Financial Status a Barrier to Organ Transplantation But Not Donation.<\/strong><br \/>\nSome factors considered involve value judgements but are considered \u201cmedically\u201d justifiable. For example, liver transplants are regularly denied to patients who continue to abuse alcohol, and lung transplants to those who still smoke tobacco. Infection with HIV or hepatitis virus has been used in the past to strike the eligibility of potential recipients on the the grounds that their infections cannot be cured and that the transplanted organs will be reinfected. Such factors are written into benefit coverage restrictions by insurance companies. While such rejections of eligibility may be couched as rational, they nevertheless balance the value of the organ against the life of a potential recipient. That is what rationing is supposed to do. I am using the word \u201crationing\u201d provocatively, because isn\u2019t that what we are really doing with this scarce resource? That doesn\u2019t make it wrong, it only magnifies the need to make the process fair!<\/p>\n<p><strong>Subjective disqualification.<\/strong><br \/>\nSome of the factors considered for acceptance to waiting lists are clearly more subjective such as the age, co-morbidities, overall physical status, cognitive ability, or mental health of the recipient. How old is too old? How sick is too sick? How mentally ill is too mentally ill? Will the recipient be able to comply physically or emotionally with the demands of post-transplant life? Will there be enough family or psychosocial support to ensure a successful result and sufficient improvement of quality of life?<\/p>\n<p><strong>Financial disqualification.<\/strong><br \/>\nIronically, the most objective of all criteria used to determine the eligibility of an individual for transplantation is the most discriminatory\u2014 the wallet biopsy. The evaluation of a potential transplant recipient includes their financial status and whether the patient has sufficient insurance coverage to pay their way. Simply having medical insurance is not enough. For example, it was standard practice in the past at Jewish Hospital and at least some other hospitals not to transplant Medicare patients who could not afford the anti-rejection and other medicines necessary to maximize the survival of the transplanted organ. Inability to afford such post-transplant expenses is still on the list of factors considered by some or even many transplant centers.<\/p>\n<p><strong>What does it cost?<\/strong><br \/>\nThe charges for organ transplant are among the highest for all hospital discharges. According to the respected healthcare firm Milliman as presented on a <a title=\"Human Organ Transplantation Costs 2011\" href=\"http:\/\/www.transplantliving.org\/before-the-transplant\/financing-a-transplant\/the-costs\/\" target=\"_blank\">UNOS website<\/a>, in 2011 the average aggregate billed charge for a transplant including pre-testing, procurement, surgery, and followup ranged from $26,200 for a kidney, to a $Million or more for heart or intestine. Of course, transplant programs are willing to accept less. When I was a former insurance executive in the mid-1990s, I was able to negotiate the charge for bone marrow transplant at a Cincinnati hospital down by 50% with a simple telephone call. The uninsured do not have an insurance company intermediary working on their behalf! They may be presented with the whole bill.<\/p>\n<figure id=\"attachment_3588\" aria-describedby=\"caption-attachment-3588\" style=\"width: 648px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/milliman-transplant-charges-2011.jpg\"><img loading=\"lazy\" class=\"wp-image-3588 size-full\" src=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/milliman-transplant-charges-2011.jpg\" alt=\"milliman-transplant-charges-2011\" width=\"648\" height=\"345\" srcset=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/milliman-transplant-charges-2011.jpg 648w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/milliman-transplant-charges-2011-150x79.jpg 150w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/milliman-transplant-charges-2011-300x159.jpg 300w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/milliman-transplant-charges-2011-500x266.jpg 500w\" sizes=\"(max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 984px) 61vw, (max-width: 1362px) 45vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-3588\" class=\"wp-caption-text\">Average Billed Charges for Organ Transplantation 2011 (Milliman)<\/figcaption><\/figure>\n<p>Of course, even for the insured, there are increasing deductible and copays that have to be paid. That\u2019s why we still see so many coin canisters and bake sales in our communities supporting those hoping to receive a transplant. If you are independently wealthy, cost seems not to be a factor, giving rise to occasional public expressions of skepticism that some seem to be able to <a title=\"Harvesting Organs From the Poor.  The American Way.\" href=\"http:\/\/www.khpi.org\/blog\/harvesting-organs-from-the-poor-the-american-way\/\" target=\"_blank\">jump the transplant line<\/a> while others die every day waiting for an organ. Of course, the cost of the actual transplantation is not the end of it. A transplant recipient becomes a professional patient and a financial annuity for the transplant program. Costs persist for the remainder of the patient\u2019s life.<\/p>\n<p><strong>Medicaid: Is having insurance enough?<\/strong><br \/>\nObviously some transplant centers are willing to accept what private insurers have negotiated to pay. I contacted Kentucky\u2019s Department for Medicaid Services in Frankfort. A spokesperson told me that\u00a0<em> \u201cAll medically necessary organ transplants are covered by Medicaid and our MCOs. There are no Medicaid restrictions, other than medical necessity. Medicaid pays a standard reimbursement of $75,000 for heart, bone marrow, liver and lung transplants, and may pay more for other transplants or under certain circumstances. \u2026There are no out-of-state restrictions, other than the Provider having a KY Medicaid ID number.\u201d<\/em><\/p>\n<p>The difference between what Medicaid pays and private insurers pay is what hospitals commonly refer to as \u201cunder-reimbursed\u201d services. It is possible, even probable that some transplant programs would not consider Medicaid\u2019s reimbursement to be adequate. It is unclear to me at the moment if the private Medicaid Managed Care plans in Kentucky reimburse more or less for their members than the Commonwealth does for the beneficiaries still managed directly by the state.<\/p>\n<p><strong>Medicare<\/strong>.<br \/>\nI do not know what Medicare currently pays for organ transplantation. Even if the surgery is covered, my guess is that many Medicare drug plans and certainly many private insurance plans leave people pretty unprotected against the costs of anti-rejection drugs. As an exception, it is my understanding that federal law requires Medicare to cover costs of kidney transplants, and that includes virtually everyone with chronic kidney failure who automatically become eligible for Medicare\u2019s chronic renal disease program. This is in itself a form of <span style=\"text-decoration: underline;\">discrimination by organ<\/span> against patients for whom transplantation is medically indicated! If government enforces the structure and rules for both organ donation and transplantation that effects all citizens, it needs to pay for it.<\/p>\n<p><strong>KentuckyOne Health.<\/strong><br \/>\nI asked a spokesperson for KentuckyOne Health if \u201cMedicaid patients enrolled in any of Medicaid managed care programs or those outside the Medicaid Managed care programs are being excluded from organ transplantation at Jewish Hospital?\u201d In response I received the following:<\/p>\n<p><em>\u201cKentuckyOne Health accepts both Medicaid and Medicare for the organ transplant program at Jewish Hospital, although eligibility may be impacted by specifics of individual plans.&#8221;<\/em><\/p>\n<p>I also questioned some of my UofL surgical colleagues who confirmed that financial considerations play a role in who receives an organ transplant in Louisville. It was suggested that a hospital cannot be expected to \u201cdonate their services.\u201d In my opinion, these comments allow that at least some, if not many Medicaid patients are not accepted to the transplant waiting list at Jewish Hospital for financial reasons. My guess is that this circumstance would not be unique among transplant centers nationwide, but I do not have specific data in hand. I would appreciate more definitive information from my readers. I will also try to find actual utilization data.<\/p>\n<figure id=\"attachment_3585\" aria-describedby=\"caption-attachment-3585\" style=\"width: 300px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/donor-card-uk.jpg\"><img loading=\"lazy\" class=\"wp-image-3585 size-medium\" src=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/donor-card-uk-300x193.jpg\" alt=\"donor-card-uk\" width=\"300\" height=\"193\" srcset=\"http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/donor-card-uk-300x193.jpg 300w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/donor-card-uk-150x96.jpg 150w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/donor-card-uk-466x300.jpg 466w, http:\/\/www.khpi.org\/blog\/wp-content\/uploads\/2014\/11\/donor-card-uk.jpg 634w\" sizes=\"(max-width: 300px) 85vw, 300px\" \/><\/a><figcaption id=\"caption-attachment-3585\" class=\"wp-caption-text\"><strong>UK (United Kingdom) Donor Card<\/strong><\/figcaption><\/figure>\n<p><strong>University of Kentucky Transplant Program<\/strong>.<br \/>\nI made a similar request of the transplant program at the University of Kentucky. I was told that<em> \u201cas an agency of the Commonwealth, UK accepts Medicaid insurance as payment for transplantation.\u201d<\/em> (I was told essentially the same thing 15 years ago.) No equivocation was apparent, but I do not yet have confirmatory utilization data in hand to compare payer mix at the two Kentucky transplantation programs, or for that matter for the rest of the nation.\u00a0 <a title=\"Who Pays for Human Organ Transplantation?\" href=\"http:\/\/www.khpi.org\/blog\/who-pays-for-human-organ-transplantation\/\" target=\"_blank\">[See a later article for this information.]<\/a><\/p>\n<p><strong>Aside.<\/strong><br \/>\nI could not help but reflect on the current legal dispute between UofL and Norton Healthcare in which UofL seeks to evict Norton from Children\u2019s Hospital. One of UofL\u2019s chief arguments is that it is an agent of the state, yet it has given the bulk of its clinical services over to KentuckyOne Health that most assuredly is not. Ironically, UofL also seeks to block the University of Kentucky from providing clinical services in Louisville. The self-defeating result of giving its clinical services away to a private organization is that UofL is causing organ transplant patients to be referred to Lexington for their surgery! Indeed, I have been told privately by a knowledgeable colleague that they are no longer confident of KentuckyOne\u2019s commitment to transplantation. What a change that would be!<\/p>\n<p><strong>How can this stand.<\/strong><br \/>\nI hardly expect any medical program to come right out and say they turn the poor away from their doors, but of course that happens every day in virtually every city. My examination of the medical and lay literature, and my inquiries within our state have convinced me that being poor is a major non-medical impediment to receiving a life-saving organ transplant. For example, a study published in 2008 by Herring et. al., looked at a nationally representative sample of hospital discharges. They found that 16.9% of organ donors were uninsured, but that only 0.8% of transplant recipients had no health insurance. Their conclusion: \u201cMany uninsured Americans donate organs, but they rarely receive them.\u201d<\/p>\n<p>Naturally, being poor (or for that matter being an uninsured middle-class Joe or Jane) does not diminish ones ability to serve as an organ donor for the benefit of someone else! Indeed a recipient\u2019s health insurance will likely <a title=\"Donors expenses paid for organ transplantation\" href=\"http:\/\/www.transplantliving.org\/living-donation\/financing-living-donation\/costs\/\" target=\"_blank\">cover the expense<\/a> of extracting a donor\u2019s organs and keeping them alive until they are used. That the full weight of government and the turning of a blind eye by the public keeps this travesty of justice alive, is in my opinion, a disgrace. I would welcome a comment by anyone willing to put their name beneath a different opinion or justification.<\/p>\n<p>We can do better. For example, the national health program of Spain covers transplantation for all its citizens. It also has laws that presume a general consent to donate organs. Medical necessity and appropriateness alone is said to determine who gets a transplant. Many fewer patients die waiting for organs. The World Health Organization rates the Spanish health system as superior to ours but costing less.<\/p>\n<p>As I look through my morning newspapers, I am increasingly aware of how many of the difficulties we ascribe to our employer-based health system could be fixed or ameliorated by a single-payer national health system. Despite the mean-spirited accusations of some in congress, what else is health insurance supposed to do but spread the resources of the mostly well in support of the needs of the few. This is not, and never was a secret.<\/p>\n<p>As for now, and for all of us who may\u00a0someday require an organ transplant\u2014 \u201cMay the odds be always with you.\u201d<\/p>\n<p>Peter Hasselbacher, MD<br \/>\nPresident, KHPI<br \/>\nEmeritus Professor of Medicine, UofL<br \/>\nNovember 24, 2014 (Thanksgiving week!)<\/p>\n<p>As always, if I am incorrect or unclear in any of my facts, please also let me know.<\/p>\n<div class=\"sharedaddy sd-sharing-enabled\"><div class=\"robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing\"><h3 class=\"sd-title\">Share this:<\/h3><div class=\"sd-content\"><ul><li><a href=\"#\" class=\"sharing-anchor sd-button share-more\"><span>Share<\/span><\/a><\/li><li class=\"share-end\"><\/li><\/ul><div class=\"sharing-hidden\"><div class=\"inner\" style=\"display: none;\"><ul><li class=\"share-facebook\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-facebook-3580\" class=\"share-facebook sd-button share-icon\" href=\"http:\/\/www.khpi.org\/blog\/financial-status-a-barrier-to-organ-transplantation-but-not-donation\/?share=facebook\" target=\"_blank\" title=\"Click to share on Facebook\" ><span>Facebook<\/span><\/a><\/li><li class=\"share-linkedin\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-linkedin-3580\" class=\"share-linkedin sd-button share-icon\" href=\"http:\/\/www.khpi.org\/blog\/financial-status-a-barrier-to-organ-transplantation-but-not-donation\/?share=linkedin\" target=\"_blank\" title=\"Click to share on LinkedIn\" ><span>LinkedIn<\/span><\/a><\/li><li class=\"share-end\"><\/li><li class=\"share-twitter\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-twitter-3580\" class=\"share-twitter sd-button share-icon\" href=\"http:\/\/www.khpi.org\/blog\/financial-status-a-barrier-to-organ-transplantation-but-not-donation\/?share=twitter\" target=\"_blank\" title=\"Click to share on Twitter\" ><span>Twitter<\/span><\/a><\/li><li class=\"share-email\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"\" class=\"share-email sd-button share-icon\" href=\"mailto:?subject=%5BShared%20Post%5D%20Financial%20Status%20a%20Barrier%20to%20Organ%20Transplantation%20But%20Not%20Donation.&body=http%3A%2F%2Fwww.khpi.org%2Fblog%2Ffinancial-status-a-barrier-to-organ-transplantation-but-not-donation%2F&share=email\" target=\"_blank\" title=\"Click to email a link to a friend\" data-email-share-error-title=\"Do you have email set up?\" data-email-share-error-text=\"If you&#039;re having problems sharing via email, you might not have email set up for your browser. 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Because of the seriousness &hellip; <a href=\"http:\/\/www.khpi.org\/blog\/financial-status-a-barrier-to-organ-transplantation-but-not-donation\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Financial Status a Barrier to Organ Transplantation But Not Donation.&#8221;<\/span><\/a><\/p>\n<div class=\"sharedaddy sd-sharing-enabled\"><div class=\"robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing\"><h3 class=\"sd-title\">Share this:<\/h3><div class=\"sd-content\"><ul><li><a href=\"#\" class=\"sharing-anchor sd-button share-more\"><span>Share<\/span><\/a><\/li><li class=\"share-end\"><\/li><\/ul><div class=\"sharing-hidden\"><div class=\"inner\" style=\"display: none;\"><ul><li class=\"share-facebook\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-facebook-3580\" class=\"share-facebook sd-button share-icon\" href=\"http:\/\/www.khpi.org\/blog\/financial-status-a-barrier-to-organ-transplantation-but-not-donation\/?share=facebook\" target=\"_blank\" title=\"Click to share on Facebook\" ><span>Facebook<\/span><\/a><\/li><li class=\"share-linkedin\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-linkedin-3580\" class=\"share-linkedin sd-button share-icon\" href=\"http:\/\/www.khpi.org\/blog\/financial-status-a-barrier-to-organ-transplantation-but-not-donation\/?share=linkedin\" target=\"_blank\" title=\"Click to share on LinkedIn\" ><span>LinkedIn<\/span><\/a><\/li><li class=\"share-end\"><\/li><li class=\"share-twitter\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-twitter-3580\" class=\"share-twitter sd-button share-icon\" href=\"http:\/\/www.khpi.org\/blog\/financial-status-a-barrier-to-organ-transplantation-but-not-donation\/?share=twitter\" target=\"_blank\" title=\"Click to share on Twitter\" ><span>Twitter<\/span><\/a><\/li><li class=\"share-email\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"\" class=\"share-email sd-button share-icon\" href=\"mailto:?subject=%5BShared%20Post%5D%20Financial%20Status%20a%20Barrier%20to%20Organ%20Transplantation%20But%20Not%20Donation.&body=http%3A%2F%2Fwww.khpi.org%2Fblog%2Ffinancial-status-a-barrier-to-organ-transplantation-but-not-donation%2F&share=email\" target=\"_blank\" title=\"Click to email a link to a friend\" data-email-share-error-title=\"Do you have email set up?\" data-email-share-error-text=\"If you&#039;re having problems sharing via email, you might not have email set up for your browser. 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