Personally, my case is a insurance night mirror. I dispute every item that should be paid by the insurance company. I do not recommend healthnet. Most insurance plans cover transplants and after care for up to Six months. If your loved one is on SSI disability and can Waite a year or so to get on Medicare. This is a option. There are no in the transplant business. The doctors are more into your health than money. Dive in and say your prayers.