Transplant Risk Stabilizer

Organ and tissue transplants are a major concern for employers with self-funded plans. That’s why Berkley Accident and Health offers a next-generation solution that can make transplant costs more predictable. Combined with our Berkley Edge support, we can support employers through the transplant process and make transplant claims more manageable.

Our Transplant Risk Stabilizer program has many advantages over carve-out coverage and transplant programs of the past:

  • No new lasers at renewal
  • All patient claims (transplant and non-transplant) are covered by the same deductible and can be submitted together
  • Seamless coverage from one insurer
  • Easy administration with only one claim form

The projected average cost for a heart transplant in 2020 was $1.6 million

Milliman U.S. Organ and Tissue Transplant Cost Estimates and Discussion

How Transplant Risk Stabilizer works

  • Employers can select from a 25%, 50%, 75%, or 100% lower Specific deductible, depending on their needs.
  • The Specific deductible is reduced when a covered transplant occurs at a qualifying Centers of Excellence facility.
  • The reduction applies to all covered expenses for that individual, whether related to the transplant or not.

For more information about this option, contact your Berkley Accident and Health representative.

Other restrictions may apply. Ask your Berkley Accident and Health representative for more information.

Insurance coverage is underwritten by Berkley Life and Health Insurance Company and/or StarNet Insurance Company, both member companies of W. R. Berkley Corporation and both rated A+ (Superior) by A.M. Best. Not all products and services may be available in all jurisdictions, and the coverage provided is subject to the actual terms and conditions of the policies issued. Payment of claims under any insurance policy issued will only be made in full compliance with all United States economic or trade and sanction laws or regulation, including, but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”).

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