eli5, when you donate your blood and organs, who are you really donating to?

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Hospitals charge people for blood transfusions.. and organs transplants can be tens of thousands of dollars.. i find it hard to believe that the surgery itself would cost that much. My fear is that the institutions that collect them sell them to the hospitals to make money.. in turn forcing the hospital to charge the patient for it as well.. or even just the hospital charging for it for profit. Does anyone know how this works?

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