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Features and benefits

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Patrick:           I remember this from Santa Cruz.

Ron:               You used to look younger.


Patrick:           We do everything together; we're a team. We're just always happy – I'm always happy. I'm a happy guy, I think that's why Ron and I like each other. 2013, we'd been to Maui and so I thought I had a tan and apparently, I was getting a little jaundiced. They started testing me and finding that my liver was going bad and the transplant list in California is huge.

Ron:               And they told us that by the time he would be sick enough to reach the point where you could get a liver, he might be too sick to operate on. We went home.

Patrick:           And we cried. Then, I called Optum and they hooked me up with Audrey, sweetheart.

Audrey:          The first time that I spoke to him, I could see that he was going to do anything and everything possible to survive. After reviewing Patrick's case, I recommended the Optum Network of Transplant Centers of Excellence.

Patrick:           She explained --

Ron:               And she knew what she was doing.

Patrick:           --the process.

Ron:               She spoke our language, she was really great.

Patrick:           She was a friend.

Audrey:          Over the next six weeks, we had approved Patrick at six different facilities that actually tended to transplant a lot sooner.

Patrick:           And so, we flew to Indiana.

Ron:               Met with the head of surgery and he said, "Well, I know you're looking around." He says, "Well, stop looking, and just come here."

Patrick:           And then, just a couple of days later, the phone rang, and they said, "We have an offer for you." We got to the hospital.

Ron:               But, we're not sure we're going to get the liver because he was the backup.

Patrick:           I was the backup.

Ron:               And all of the sudden, he's in surgery.

Patrick:           After the transplant, of course, Ron came in the room. I called my mom and then I called Audrey.

Ron:               [Laughing]

Patrick:           She needed to know because she was my buddy and she helped me make it turn out.

Audrey:          I'm a nurse and whether I'm at your bedside or I'm on the phone miles away, you're still my patient.


Patrick:           Hi.

Audrey:          I'm Audrey.

Patrick:           Oh my God. I changed my mind.

Audrey:          Every day, I pray that that day I will be able to touch somebody's life and in Patrick's case, I have touched his life and he has touched mine.

Patrick:           I can't believe you're here, I want another hug.

                        Every day, I feel grateful, every day.

[End of Audio 00:02:26]


A market leader for value 

The Managed Transplant Program (MTP) protects self-funded groups while enhancing the clinical experience for patients. We partner them with experienced transplant nurse case managers who help educate and guide them through the transplant experience.

View the full-length video

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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




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.

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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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1. Count of MTP Employer clients as of September 25, 2018

2. Optum Transplant Network status as of July 2018.

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To learn more:

Call 1-866-427-6845

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