Quoted: Under federal rules, every transplant center must have an advocate for living donors. Health insurance problems do come up, says Rebecca Hays, a living-donor social worker at the University of Wisconsin Hospital and Clinics in Madison. Sometimes, Hays said, donors tell her about insurers that refuse to cover anything related to the organ donation for a year. ?More often I hear from people who have been denied insurance and they don?t know what to do.?