Private insurance is coverage that is not sponsored by the government; the patient or a spouse typically obtains a private insurance policy from his or her employer. In some cases, particularly for people who are self-employed, private insurance can be obtained outside of the workplace. In that case, the patient pays the insurance premium.
Depending on the plan, private insurance may assume a good bulk of the cost of an organ transplant. However, most insurance plans have a “cap” or a maximum that the insurance company will pay for the care of a patient. This cap may be met or exceeded with standard care during the course of an organ transplant.