Here are some ways to determine if your insurance will cover the cost of gender reassignment surgery:

  • Check your insurance policy: Your insurance policy should have a section that outlines what procedures are covered. You can look for the terms “gender reassignment surgery” or “gender affirmation surgery” to see if your insurance covers these procedures.
  • Contact your insurance company: You can contact your insurance company directly to ask if they cover gender reassignment surgery. They will be able to give you more specific information about your coverage, such as the requirements you need to meet in order to be eligible for coverage.
  • Work with a transgender-affirming insurance broker: A transgender-affirming insurance broker can help you understand your insurance coverage and find an insurance plan that will cover gender reassignment surgery. They can also help you navigate the insurance approval process.

Here are some resources that may be helpful:

  • The National Center for Transgender Equality:
  • The Human Rights Campaign:
  • The Trevor Project:

It is important to note that not all insurance companies cover gender reassignment surgery. Some insurance companies may only cover certain types of gender reassignment surgery, such as top surgery or bottom surgery. Others may require you to meet certain criteria, such as having been diagnosed with gender dysphoria or having been in therapy for a certain amount of time.

If your insurance does not cover gender reassignment surgery, you may still be able to afford the surgery by paying out of pocket or through a payment plan. There are also some organizations that can help you pay for gender reassignment surgery, such as the Transgender Law Center: and the Trans Lifeline:

Determining if your insurance will cover the cost of gender reassignment surgery involves a few steps:

  1. Review your insurance policy: Start by carefully reading your insurance policy or plan documents. Look for any sections that pertain to transgender healthcare or gender-affirming procedures. Pay attention to any exclusions or limitations related to gender reassignment surgery.
  2. Contact your insurance provider: Reach out to your insurance provider directly to inquire about coverage for gender reassignment surgery. You can typically find the contact information on your insurance card or on the insurance company’s website. Speak with a customer service representative and ask specific questions about the coverage options available to you.
  3. Ask for a summary of benefits: Request a summary of benefits from your insurance company. This document will provide an overview of what services are covered, any co-pays, deductibles, or out-of-pocket costs, and any conditions or requirements for coverage.
  4. Verify in-network providers: If your insurance does cover gender reassignment surgery, ask for a list of in-network providers who offer these services. Using in-network providers can help reduce your out-of-pocket expenses.
  5. Check for pre-authorization requirements: Some insurance plans may require pre-authorization or prior approval for gender reassignment surgery. Be sure to find out if this is the case and what steps you need to take to obtain pre-authorization.
  6. Consult with your healthcare provider: If you have questions about the coverage or need assistance navigating the insurance process, consider discussing your options with your healthcare provider. They can provide guidance and may be able to help you with the necessary documentation for insurance approval.
  7. Review any documentation requirements: Some insurance plans may have specific documentation requirements to establish medical necessity for gender reassignment surgery. This may include letters of support from mental health professionals or healthcare providers.

Keep in mind that insurance coverage for gender reassignment surgery can vary widely between insurance plans and providers. Additionally, laws and regulations related to transgender healthcare coverage may differ depending on your location. Be persistent in seeking information, and don’t hesitate to ask for clarification or assistance from your insurance company or healthcare provider.