RE: WalMart Insurance Coverage for Transplants

[Guest guest]

I thought most of their employees have to

go to Mayo.

Stoops

Clarian

From: TxFinancialCoordinators [mailto:TxFinancialCoordinators ] On Behalf Of Battin, Daryl J.

Sent: Thursday, August 16, 2007

1:08 PM

To: TxFinancialCoordinators

Subject:

WalMart Insurance Coverage for Transplants

Writing to ask people’s experience with WalMart coverage for

kidney transplants (policy written with BCBS of Illinois) and if you have

received the same information --

§

For a potential recipient -- benefits I was

quoted include not eligible for transplant services the 1st year

they are insured and that there is a $100,000 life time maximum for transplant

coverage (I think for any organ).

§

For a potential donor – their policy is

written such that they will only cover donor charges if the donor’s

insurance will not cover such and that they will need a letter of denial for

such donor eval & surgery from the donor’s insurance before they will

provide any coverage.

Looking forward to hearing from others – thanks!

Daryl Battin, LICSW

Financial Coordinator/Social Worker

Lahey Clinic Kidney/PancreasTransplant Program

41 Mall Road

Burlington, MA 01805

Phone: 781 744-7166/781 744-8974

FAX: 781 744-5009

See our

web page at http://www.lahey.org for a full directory of Lahey sites,

staff, services and career opportunities.

THIS

MESSAGE IS INTENDED FOR THE USE OF THE PERSON TO WHOM IT IS ADDRESSED. IT MAY

CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE

UNDER APPLICABLE LAW. If you are not the intended recipient, your use of this

message for any purpose is strictly prohibited. If you have received this

communication in error, please delete the message and notify the sender so that

we may correct our records.

[Guest guest]

I

was not told any restriction on kidney transplant services today – quote received

was for in-network benefits for Blue Cross PPO providers (in-network as long as

a Blue Cross PPO provider in your state).

Daryl Battin, LICSW

Financial

Coordinator/Social Worker

Lahey Clinic

Kidney/Pancreas Program

41 Mall Road

Burlington, MA 01805

PH: 781 744-7166/FAX: 781

744-5009

WalMart Insurance Coverage for Transplants

Writing to ask people’s experience

with WalMart coverage for kidney transplants (policy written with BCBS of

Illinois) and if you have received the same information --

§

For a potential recipient -- benefits I was quoted

include not eligible for transplant services the 1st year they are

insured and that there is a $100,000 life time maximum for transplant coverage

(I think for any organ).

§

For a potential donor – their policy is

written such that they will only cover donor charges if the donor’s

insurance will not cover such and that they will need a letter of denial for

such donor eval & surgery from the donor’s insurance before they will

provide any coverage.

Looking forward to hearing from others

– thanks!

Daryl Battin, LICSW

Financial Coordinator/Social

Worker

Lahey Clinic

Kidney/PancreasTransplant Program

41 Mall Road

Burlington, MA

01805

Phone: 781 744-7166/781

744-8974

FAX: 781 744-5009

See our

web page at http://www.lahey.org for a full directory of Lahey sites,

staff, services and career opportunities.

THIS

MESSAGE IS INTENDED FOR THE USE OF THE PERSON TO WHOM IT IS ADDRESSED. IT MAY

CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE

UNDER APPLICABLE LAW. If you are not the intended recipient, your use of this

message for any purpose is strictly prohibited. If you have received this

communication in error, please delete the message and notify the sender so that

we may correct our records.

[Guest guest]

No, they are not restricted to Mayo when it comes to Kidney transplant. All other transplants yes. Thank You,Clarice S. ZessTransplant Financial CoordinatorSt. Luke's Medical CenterAbdominal Transplant ClinicTransplant ServicesPhone: Fax: The information contained in this transmission contains confidential or privileged material and is intended only for the person(s) to whom it was addressed. Any retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient(s) is prohibited. If you receive this transmission in error, please contact the sender, delete the material from any computer and destroy all copies of this message and any attachments.Thank You. . " , Stoops " " , Stoops " Sent by: TxFinancialCoordinators 08/16/2007 12:28 PMPlease respond toTxFinancialCoordinators To<TxFinancialCoordinators >ccSubjectRE: WalMart Insurance Coverage for TransplantsI thought most of their employees have to go to Mayo. Stoops Clarian From: TxFinancialCoordinators [mailto:TxFinancialCoordinators ] On Behalf Of Battin, Daryl J.Sent: Thursday, August 16, 2007 1:08 PMTo: TxFinancialCoordinators Subject: WalMart Insurance Coverage for Transplants Writing to ask people’s experience with WalMart coverage for kidney transplants (policy written with BCBS of Illinois) and if you have received the same information -- § For a potential recipient -- benefits I was quoted include not eligible for transplant services the 1st year they are insured and that there is a $100,000 life time maximum for transplant coverage (I think for any organ). § For a potential donor – their policy is written such that they will only cover donor charges if the donor’s insurance will not cover such and that they will need a letter of denial for such donor eval & surgery from the donor’s insurance before they will provide any coverage. Looking forward to hearing from others – thanks! Daryl Battin, LICSWFinancial Coordinator/Social WorkerLahey Clinic Kidney/PancreasTransplant Program41 Mall RoadBurlington, MA 01805Phone: 781 744-7166/781 744-8974FAX: 781 744-5009 See our web page at http://www.lahey.org for a full directory of Lahey sites, staff, services and career opportunities. THIS MESSAGE IS INTENDED FOR THE USE OF THE PERSON TO WHOM IT IS ADDRESSED. IT MAY CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW. If you are not the intended recipient, your use of this message for any purpose is strictly prohibited. If you have received this communication in error, please delete the message and notify the sender so that we may correct our records.

[Guest guest]

During the 1st 2 years of coverage the patient has a limited transplant benefit of $100,000.00. After 2 years the transplant benefit becomes unlimited, however, the patient will have a $2,100.00 out of pocket unless they go to the Mayo Clinic.

The # to call is .

Joni McMahon Financial Coordinator Transplant Services fax

UMass Memorial Medical Center

Worcester, MA

From: TxFinancialCoordinators [mailto:TxFinancialCoordinators ] On Behalf Of , StoopsSent: Thursday, August 16, 2007 1:29 PMTo: TxFinancialCoordinators Subject: RE: WalMart Insurance Coverage for Transplants

I thought most of their employees have to go to Mayo.

Stoops

Clarian

From: TxFinancialCoordinators [mailto:TxFinancialCoordinators ] On Behalf Of Battin, Daryl J.Sent: Thursday, August 16, 2007 1:08 PMTo: TxFinancialCoordinators Subject: WalMart Insurance Coverage for Transplants

Writing to ask people’s experience with WalMart coverage for kidney transplants (policy written with BCBS of Illinois) and if you have received the same information --

§ For a potential recipient -- benefits I was quoted include not eligible for transplant services the 1st year they are insured and that there is a $100,000 life time maximum for transplant coverage (I think for any organ).

§ For a potential donor – their policy is written such that they will only cover donor charges if the donor’s insurance will not cover such and that they will need a letter of denial for such donor eval & surgery from the donor’s insurance before they will provide any coverage.

Looking forward to hearing from others – thanks!

Daryl Battin, LICSW

Financial Coordinator/Social Worker

Lahey Clinic Kidney/PancreasTransplant Program

41 Mall Road

Burlington, MA 01805

Phone: 781 744-7166/781 744-8974

FAX: 781 744-5009

See our web page at http://www.lahey.org for a full directory of Lahey sites, staff, services and career opportunities.

THIS MESSAGE IS INTENDED FOR THE USE OF THE PERSON TO WHOM IT IS ADDRESSED. IT MAY CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW. If you are not the intended recipient, your use of this message for any purpose is strictly prohibited. If you have received this communication in error, please delete the message and notify the sender so that we may correct our records.

The information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, transmission, re-transmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and delete the material from any computer.

[Guest guest]

I’ve had 3 patients transplanted so

far since I’ve worked here that have WalMart coverage. Yes the

benefits you quoted are what I was quoted only for first year employees, all 3

of my patients were more than 3 year employees. I was quoted $100,000 max per

transplant but she had told me it starts the day of admission for transplant

and didn’t include pre and post. Once the patient was transplanted, I

was very surprised that they paid over $100,000 for each transplant, one of

those transplants was a living donor transplant and was also covered no

problems. Hope this helps.

Pat Kreci

Southwest Florida Regional

Medical Center

Kidney Transplant Center

Ft Myers, FL

From: TxFinancialCoordinators [mailto:TxFinancialCoordinators ] On Behalf Of Battin, Daryl J.

Sent: Thursday, August 16, 2007

1:08 PM

To: TxFinancialCoordinators

Subject:

WalMart Insurance Coverage for Transplants

Writing to ask people’s experience with WalMart coverage for

kidney transplants (policy written with BCBS of Illinois) and if you have

received the same information --

§

For a potential recipient -- benefits I was

quoted include not eligible for transplant services the 1st year

they are insured and that there is a $100,000 life time maximum for transplant

coverage (I think for any organ).

§

For a potential donor – their policy is

written such that they will only cover donor charges if the donor’s

insurance will not cover such and that they will need a letter of denial for

such donor eval & surgery from the donor’s insurance before they will

provide any coverage.

Looking forward to hearing from others – thanks!

Daryl Battin, LICSW

Financial Coordinator/Social Worker

Lahey Clinic Kidney/PancreasTransplant Program

41 Mall Road

Burlington, MA 01805

Phone: 781 744-7166/781 744-8974

FAX: 781 744-5009

See our

web page at http://www.lahey.org for a full directory of Lahey sites,

staff, services and career opportunities.

THIS

MESSAGE IS INTENDED FOR THE USE OF THE PERSON TO WHOM IT IS ADDRESSED. IT MAY

CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE

UNDER APPLICABLE LAW. If you are not the intended recipient, your use of this

message for any purpose is strictly prohibited. If you have received this

communication in error, please delete the message and notify the sender so that

we may correct our records.

[Guest guest]

ditto " , Stoops " Sent by: TxFinancialCoordinators 08/16/2007 12:29 PMPlease respond toTxFinancialCoordinators To<TxFinancialCoordinators >ccSubjectRE: WalMartInsurance Coverage for TransplantsI thought most of their employeeshave to go to Mayo. Stoops Clarian From: TxFinancialCoordinators [mailto:TxFinancialCoordinators ] On Behalf Of Battin,Daryl J.Sent: Thursday, August 16, 2007 1:08 PMTo: TxFinancialCoordinators Subject: WalMart Insurance Coverage for Transplants Writing to ask people’s experiencewith WalMart coverage for kidney transplants (policy written with BCBSof Illinois) and if you have received the same information -- § Fora potential recipient -- benefits I was quoted include not eligible fortransplant services the 1st year they are insured and that thereis a $100,000 life time maximum for transplant coverage (I think for anyorgan). § Fora potential donor – their policy is written such that they will only coverdonor charges if the donor’s insurance will not cover such and that theywill need a letter of denial for such donor eval & surgery from thedonor’s insurance before they will provide any coverage. Looking forward to hearingfrom others – thanks! Daryl Battin, LICSWFinancial Coordinator/SocialWorkerLahey Clinic Kidney/PancreasTransplantProgram41 Mall RoadBurlington, MA 01805Phone: 781 744-7166/781 744-8974FAX: 781 744-5009 See our web page at http://www.lahey.orgfor a full directory of Lahey sites, staff, services and career opportunities. THIS MESSAGE IS INTENDED FOR THEUSE OF THE PERSON TO WHOM IT IS ADDRESSED. IT MAY CONTAIN INFORMATION THATIS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER APPLICABLELAW. If you are not the intended recipient, your use of this message forany purpose is strictly prohibited. If you have received this communicationin error, please delete the message and notify the sender so that we maycorrect our records.

[Guest guest]

I have a liver patient that has Wal-Mart and I also told that the

first year, they have no transplant benefits. The 2nd year they have

a 100,000.00 max and the 3rd year, if they are not approved or

listed, they have to go to Mayo. Although, I was also told that if

they are approved or listed by the 3rd year, they no longer have a

transplant max.

>

> ditto

>

>

>

> " , Stoops "

> Sent by: TxFinancialCoordinators

> 08/16/2007 12:29 PM

> Please respond to

> TxFinancialCoordinators

>

>

> To

> <TxFinancialCoordinators >

> cc

>

> Subject

> RE: WalMart Insurance Coverage for

Transplants

>

>

>

>

>

>

>

>

>

> I thought most of their employees have to go to Mayo.

> Stoops

> Clarian

>

>

>

> From: TxFinancialCoordinators

> [mailto:TxFinancialCoordinators ] On Behalf Of

Battin,

> Daryl J.

> Sent: Thursday, August 16, 2007 1:08 PM

> To: TxFinancialCoordinators

> Subject: WalMart Insurance Coverage for

> Transplants

>

>

> Writing to ask people’s experience with WalMart coverage for

kidney

> transplants (policy written with BCBS of Illinois) and if you have

> received the same information --

>

> § For a potential recipient -- benefits I was quoted

include

> not eligible for transplant services the 1st year they are insured

and

> that there is a $100,000 life time maximum for transplant coverage

(I

> think for any organ).

>

> § For a potential donor †" their policy is written

such that

> they will only cover donor charges if the donor’s insurance will

not cover

> such and that they will need a letter of denial for such donor eval

&

> surgery from the donor’s insurance before they will provide any

coverage.

>

> Looking forward to hearing from others †" thanks!

>

> Daryl Battin, LICSW

> Financial Coordinator/Social Worker

> Lahey Clinic Kidney/PancreasTransplant Program

> 41 Mall Road

> Burlington, MA 01805

> Phone: 781 744-7166/781 744-8974

> FAX: 781 744-5009

>

> See our web page at http://www.lahey.org for a full directory of

Lahey

> sites, staff, services and career opportunities.

>

> THIS MESSAGE IS INTENDED FOR THE USE OF THE PERSON TO WHOM IT IS

> ADDRESSED. IT MAY CONTAIN INFORMATION THAT IS PRIVILEGED,

CONFIDENTIAL AND

> EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW. If you are not the

intended

> recipient, your use of this message for any purpose is strictly

> prohibited. If you have received this communication in error,

please

> delete the message and notify the sender so that we may correct our

> records.

>

[Guest guest]

I have a liver patient that has Wal-Mart and I also told that the

first year, they have no transplant benefits. The 2nd year they have

a 100,000.00 max and the 3rd year, if they are not approved or

listed, they have to go to Mayo. Although, I was also told that if

they are approved or listed by the 3rd year, they no longer have a

transplant max.

>

> ditto

>

>

>

> " , Stoops "

> Sent by: TxFinancialCoordinators

> 08/16/2007 12:29 PM

> Please respond to

> TxFinancialCoordinators

>

>

> To

> <TxFinancialCoordinators >

> cc

>

> Subject

> RE: WalMart Insurance Coverage for

Transplants

>

>

>

>

>

>

>

>

>

> I thought most of their employees have to go to Mayo.

> Stoops

> Clarian

>

>

>

> From: TxFinancialCoordinators

> [mailto:TxFinancialCoordinators ] On Behalf Of

Battin,

> Daryl J.

> Sent: Thursday, August 16, 2007 1:08 PM

> To: TxFinancialCoordinators

> Subject: WalMart Insurance Coverage for

> Transplants

>

>

> Writing to ask people’s experience with WalMart coverage for

kidney

> transplants (policy written with BCBS of Illinois) and if you have

> received the same information --

>

> § For a potential recipient -- benefits I was quoted

include

> not eligible for transplant services the 1st year they are insured

and

> that there is a $100,000 life time maximum for transplant coverage

(I

> think for any organ).

>

> § For a potential donor †" their policy is written

such that

> they will only cover donor charges if the donor’s insurance will

not cover

> such and that they will need a letter of denial for such donor eval

&

> surgery from the donor’s insurance before they will provide any

coverage.

>

> Looking forward to hearing from others †" thanks!

>

> Daryl Battin, LICSW

> Financial Coordinator/Social Worker

> Lahey Clinic Kidney/PancreasTransplant Program

> 41 Mall Road

> Burlington, MA 01805

> Phone: 781 744-7166/781 744-8974

> FAX: 781 744-5009

>

> See our web page at http://www.lahey.org for a full directory of

Lahey

> sites, staff, services and career opportunities.

>

> THIS MESSAGE IS INTENDED FOR THE USE OF THE PERSON TO WHOM IT IS

> ADDRESSED. IT MAY CONTAIN INFORMATION THAT IS PRIVILEGED,

CONFIDENTIAL AND

> EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW. If you are not the

intended

> recipient, your use of this message for any purpose is strictly

> prohibited. If you have received this communication in error,

please

> delete the message and notify the sender so that we may correct our

> records.

>