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Comprehensive program design

MTP covers all transplant-related expenses one year post-transplant.

First-dollar coverage No pre-existing clause or lasering
Predictable program

No deductibles, coinsurance or copays

Protection for the full population begins as soon as coverage is bound

Lessens future stop loss premium increases by carving out transplant experience

Includes all solid organ and blood and marrow transplants

Lifetime benefit for transplant services protects annual max benefit of hidden medical coverage

Guaranteed renewable policy

Pays related expenses from evaluation through 365 days post transplant, including immunosuppresant drugs

Stop loss premium credits often result once coverage is in place

Drives increased stop loss persistency

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A risk-free solution

More than 900 employers1 depend on MTP to manage the clinical and financial aspects of their transplant cases. By transferring risk to Optum, employers pay a predictable monthly premium, while Optum pays all claims associated with transplant cases. 

Employers value this fully insured carve-out product to help control costs, mitigate risk and enhance both the clinical and patient experience for transplants. 

Through MTP, employees and their dependents may access more than 1,000 best-in-class transplant Centers of Excellence programs located at 176 U.S. facilities.2

Education and guidance through entire process

To further improve clinical experience and outcomes, Optum transplant nurse case managers support patients from referral to up to one year post-transplant.

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Sources

  1. Count of MTP Employer clients as of September 25, 2018
  2. Optum Transplant Network status as of July 2018.