Everywhere is different... I would talk to your financial person at your transplant center to find out everything in detail. For my living donor transplant, my mother's insurance (which I was under also) covered everything 100% for me and her, nothing out of pocket. For my non-living transplant, Medicare (A & B), and my Blue Cross Blue Shield Supplement paid everything 100%, again, no out-of-pocket for me again.
I did get the statement though, for both transplants, you know, so I could see how much it costs. The living donor cost more, obviously. Even with my living donor transplant being 8 years ago, it still cost more than my non-living transplant this year.