After transplant, you would need to take medications called immune suppression in order to suppress your immune system from rejecting the new organ. Typically there's two medications that are used more frequently. These are called tacrolimus and CellCept. And in addition, you may be prescribed steroids, such as prednisone, as well. The risk of these medications is an increased amount and susceptibility to infections as they decrease your immune system's response to infections. Typically in most insurances would cover you for a heart transplant and for your rejection medications as well.