Mike has medicare. They would have covered everything in Boston. They would not pay for him to be dual listed, so before he went through that processin Cleveland, he was put on his mom's insurance, Blue Cross. (not a problem, because he has a chronic illness and was considered disabled). We also have a foundation. We set up one with one of the transplant associations but also have donated money put aside for immediate costs (the associations reimburse rather than give you money up front.) Anyway, don't worry too much about the money part right now but it's good to start thinking about it. Good luck!!