He must have insurance to receive a transplant unless he is rich. Usually anyone who is sick enough to need a transplant is also sick enough to be disabled and not able to work due to their liver failure. I don't know if your father is working or not, but a person is usually quite sick when they need a transplant and they are able to get disability insurance. If he is very low income and not a lot of assets, then he should check into getting help through medicaid. How does your father know he need a transplant asap? Did he get evaluated at a transplant center to know this? A regular doctor that does not specialize in liver failure might not give a correct time frame for his liver failure. That's why people have to get evaluated at a transplant center to make that determination. The evaluation itself costs a lot of money which he will also need insurance for that since it includes lots and lots of medical tests along with psych evaluation, so I assume he has not been to any transplant center yet.
It might be years before he will have total liver failure since hep C progresses very slowly. It typically takes 20-30 years for liver damage to show up for someone with hep C. Your father would have had to had his hep C for a very long time if he needs a transplant right now. I had 90% liver failure with only 10% function left when I was diagnosed with cirrhosis of the liver, and they still gave me a 5 year estimate before I would reach total liver failure.
There is only one way to be put on the transplant waiting list and that is by getting evaluated at a transplant center. Once all the testing is done, a group of doctors will go over all the results and decide if this person needs a transplant and whether or not they can be listed to receive one, but it's absolutely necessary to have insurance since a typical transplant costs about $300,000 without complications and there is usually always some complications. If he doesn't have health insurance through work and doesn't pay for his own policy, then about all that is left is disability of some kind which he can try to get through Social Security or SSI (Supplemental Security Income) or Medicaid.
nurse and liver transplant recipient