Whatabout, your previous insurance is actually better than what we have now (and we've got Blue Cross). They pay for 15 days inpatient ($1,100 copay) only once in their lifetime. And I don't think anyone's benefits cover transplants. I could be wrong, but it's my understanding that your name will not even go on the list unless you first pass the financial check. We are not allowed to sell our organs -- we donate them. Then the hospital turns around and "sells" them.