You’re not alone in inquiring about financial coverage for a transplant. Here is information from United Network for Organ Sharing (UNOS) - How can I cover transplant costs?
"Some transplant candidates and recipients have difficulty affording the cost of a transplant or related expenses such as travel, lodging and post-transplant medications. There are a number of local, regional and national organizations that provide some assistance through grants or services. In individual cases, local community organizations or faith groups may be able to help, and friends and families may solicit funds through public events or appeals. Every transplant program has a social worker or financial coordinator who can work with you and advise you on insurance and funding options."

To read more about basic costs (medical and nonmedical), insurance basics, financial assistance and resources you can click on this lin
https://transplantliving.org/financing-a-transplant/
@willie0027, Have you met with your transplant team, yet? You will have a counselor, or social worker, or finincial advisor (depending on how your transplant center has it set up) and they can help you with your individual situation.