Hair transplants are not covered by insurance in most cases, unless there has been some sort of disfigurement from an accident or disease.
Cost can vary greatly as well as the quality. Cost is usually calculated on a "per graft" basis. Meaning, depending on the # of grafts you get. I personally have seen grafts from as little at $4 per graft up to $25 per graft.
I urge you, before you consider having a transplant, research various procedures and the companies, and particularly the quality of the person who will be performing the procedure.
A bad hair transplant is worse than being bald.... just look at the former Alabama Supreme Court Justice Roy Moore..... his head looks horrible!