Actually, Allan had Medicaid, not Medicare. A friend of his (some of you may remember him--James Binegar) had b. cepacia also, but had both Medicare and Medicaid, and his transplant was covered. (Sadly, James passed away a few weeks after transplant). I'm not sure whether it was covered under Medicare, Medicaid, or a combination of both.
North Carolina State Medicaid (at the time, anyway) didn't have a specific policy against transplanting Cepacia patients. Medicaid cited low weight, osteoporosis, and b. cepacia in combination as making him a poor transplant candidate. James's weight was better, and he had osteopenia, so they weren't exactly comparable.
What will and will not be covered will vary widely by state. Allan's parents were trying to get it covered by NY state Medicaid, and they claim that a couple of days after his death, they received a letter indicating there was a chance that would have worked. I haven't seen the letter, so I can't exactly vouch for it (and the fact that we may have been so close really depresses the hell out of me, so I'm not sure if I want to see it, anyway).
I guess what I am trying to say is that just because he may have been royally screwed over, doesn't mean you will be. There were too many other factors involved, and your case may not bear so many resemblances to his.
As for foundations that will help you out, we didn't find much in our search that would cover a substantial portion of the cost if transplant wasn't covered by insurance. However, the best fundraising site we investigated for organ transplants was the Children's Organ Transplant Association. ( www.cota.org). Don't be put off by the "Children" in the organization's title. It covers CF patients, since they consider it a "childhood disease". If you look through the patient's campaigns, you'll actually see quite a few adults. COTA appeared to be better than the other transplant associations that we looked at because they'll match contributions up to $10,000, and their operating costs runs off of interest from contributions, rather than them taking a small percentage of what you raise, as some of the other organizations do.
Best of luck at your Dr's appointment tomorrow, Rochelle. I hope that everything becomes clearer, and that they'll be able to answer many of your questions.