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Why Do Donors Need Health Insurance if the Recipient’s Insurance Pays for Everything?
All donors are required to have health insurance in the event that any medical issues/diagnoses arise during the course of their evaluation to be a donor.
In this instance, the recipient’s insurance does not cover the donor’s medical expenses, so the potential donor must have health insurance in place to ensure that they will be covered in such a circumstance.
Kidney donation may also be considered a pre-existing condition. Although current law largely prohibits the denial of insurance based on pre-existing conditions, some insurance companies are still allowed to deny coverage for this reason. This is another reason why obtaining health insurance prior to donation is important.
Benefits of Kidney Donation
In many ways, the benefits of kidney donation are personal and cannot be known by anyone other than the person that is donating or has donated.
Each donor’s motivations may vary greatly and each donor has a unique experience as they go through the journey of donating their kidney, from the initial decision to be evaluated as a potential donor to years after the donation occurs.
The following information has been compiled from various research studies that have attempted to quantify the benefits and/or quality of life of kidney donors as a result of the donation.
To summarize the key findings:
- Kidney donors tend to have higher quality of life scores after donation, as compared to the general population. This may be related to an increase in the donor’s self-esteem and an increased sense of well-being.
- Donors have similar or improved psychosocial health after donation.
In addition, the intense screening process that donors must undergo has helped some potential donors receive diagnoses that may benefit from early intervention, such as cancer.
At times, screening has led to early detection of the potential donor’s own medical issues such as kidney disease, high blood pressure, diabetes, and cardiac disease, which can benefit from early diagnosis and intervention.
Legal Issues Related to Payment for Donation
The National Organ Transplantation Act of 1984 specifically prohibits the exchange of “valuable consideration” for a human organ (“It shall be unlawful for any person to knowingly acquire, receive, or otherwise transfer any human organ for valuable consideration for use in human transplantation”).
Therefore, it is illegal to sell organs; if this occurs, it is punishable by fines, imprisonment, or both.
However, the payment of “the expenses of travel, housing, and lost wages incurred by the donor of a human organ in connection with the donation of the organ” is expressly permitted by section 301 of NOTA
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