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Cost of HRT

Started by NotThereYet, June 05, 2012, 05:28:28 PM

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NotThereYet

Hello everybody,

I know that this must have been asked a few hundred times, already, nonetheless, I would love to get some feedback on how much it costs to get hormones in the US.

Does insurance play a role? If so, how much of a role?

Any help, guidance, ideas will be greatly appreciated!

Andi :-)
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A

I -think- most insurance companies refund (or pay directly) a proportion of your medications. Zero sure.

As for the basic cost of HRT, my Estrace (estradiol) pills cost 0.54 $ each, for a total of 32.40 $ per month. My cyproterone (anti-androgen) costs 1.64 $ per pill, for a total of 98.23 $ per month, all that before insurance. So if I didn't have insurance, my HRT would cost me a total of 130.63 $ per month.

Oh yeah, and my insurance works as follows: it pays about 70 % of my prescription drugs, but adds a fixed 16 $ fee on the first purchase of the month. Once I spend a certain monthly amount (100 $ I think but not sure at all), it covers 100 % of subsequent fees.

But this is a state insurance, so I have no idea how similar or different from private insurances in the US it is.

However, you should note that:

-In the US, cyproterone is not (or rarely) prescribed. What you're going to have will most likely be spironolactone, which, I think, is much cheaper.
-This is but one of the 3 main methods for taking estradiol. Putting aside all debates on which is most effective or safer, injections are the cheapest, whilst transdermal patches are more expensive. I don't really know the exact prices, though.

All in Canadian currency. Not that it matters nowadays...
A's Transition Journal
Last update: June 11th, 2012
No more updates
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Cen

My initial visit when I had no insurance at all ran me about $300 between the labs and the visit, plus the cost of the initial doses of hormones.

I now have insurance to cover the visits, but the doctor doesn't list me as trans.  I pay the $20 copay and then about $98 for the blood labs.  At this point she wants to see me around every 6 months or so, although they had me in for four visits over the course of the first 6 months.

My estradiol costs $8, and the spironolactone costs $27 for a 30 day supply each as generics at Target, on a moderate dose of each.  I haven't tried to put it through my insurance.  For spironolactone I ask for the smaller 25mg pills as they are cheaper by about $50, but then I have to take a lot of them at once.

From what I've seen the costs can vary quite a bit.
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NotThereYet

Hi A and Cori and thank you both for your replies! :-)

I assume that both for Blockers and H's, one needs a prescription: who can prescribe those? Your GP? Do you need an "approval" from a therapist? If so, what type? Does it have to be an MD, a psychiatrist? Will an LCSW do?

Any help will be greatly appreciated! :-)

Andrea :-)
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A

No idea what an LCSW is, but yes, you do need a prescription. As for how to get it... Theoretically, anyone who can usually prescribe medications (which is, all medicine doctors, including general practitioners, and maybe nurse practitioners) is allowed to prescribe HRT (or directly refer to an endocrinologist, because whilst all doctors can prescribe hormones, endocrinologists knowledgeable in trans issues are the ones who can do it most effectively and safely and have the most experience regarding it) without further investigation, as long as you give informed consent and have been tested for physical contraindications.

However, many (most?) will first refer you to a professional, either a therapist (psychologist, sexologist or other) or a psychiatrist who will have the role of performing therapy and/or evaluating you: Are you truly transgendered? Are hormones really what you need? Do you have other mental health issues that need to be treated? Does your current state indicate that you might be likely to misuse (overdose) hormones or become instable? Do you have false expectations? etc.

Afterwards, you will be referred to an endocrinologist (or other doctor in a few cases I guess), possibly with a letter, and there, you should receive your prescription.

The whole approval process has a very varying length, depending on the beliefs of who is evaluating you, the unwritten laws that could exist (e.g. some have a set duration in their mind before which they will not refer, because they feel it's the time they need to be sure you don't have recurring depressions and your life is stable, and it's not just a phase, or sometimes just because they think transition has so many challenges that if you can't muster the wait, you can't go through it) as well as how fast your general practitioner refers you and how long the referral takes (administrative delays, waiting lists...)

It can be as short as not even one month for a few quick assessment and information meetings, but that is quite rare. It can also take up to two years if you have "co-morbid issues" to treat or the person evaluating you is really challenging, but that is quite rare, too. I think, from the moment you begin to see the person in charge of evaluating you, it's fair to expect an average of 6 to 8 months, maybe.

For me, it took a little over two years, but that wasn't just the approval process. It took me about 8 months, I think, to get my psycholgist to tell me I needed to tell my doctor, as well as to get my doctor to refer me to the psychiatrist (she wanted me to come out to my family first, which was hard for my shy self and took time). After about 6 months, I think, I first saw the busy psychiatrist. From that point onwards, it took exactly one year to get my referral for HRT.

The key to make it faster is to talk to your doctor and get the referral for evaluation fast. There are also, as I said, those "informed consent clinics" which won't really have you wait, but they aren't the majority, and there is also a possibility that you might get benefits from that therapy and evaluations.

The formulas vary. Some will prescribe just an antiandrogen to stop damage until evaluation is over, which is a great approach if you ask me.
A's Transition Journal
Last update: June 11th, 2012
No more updates
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Jeneva

Quote from: Andi on June 06, 2012, 03:15:43 PM
Hi A and Cori and thank you both for your replies! :-)

I assume that both for Blockers and H's, one needs a prescription: who can prescribe those? Your GP? Do you need an "approval" from a therapist? If so, what type? Does it have to be an MD, a psychiatrist? Will an LCSW do?

Any help will be greatly appreciated! :-)

Andrea :-)

LCSW is license clinical social worker.  I'm not sure if a letter from them would work, but it doesn't have to be Phd level.  A master's level therapist is fine.  The LCSW is probably ok.
Blessed Be!

Jeneva Caroline Samples
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Nov413

So once you're "officially" evaluated as transgender, do you have to wait some more to get the hormones? Or is it as soon as you see the endocrinologist?
"Courage and perseverance have a magical talisman, before which difficulties disappear and obstacles vanish into air." - John Adams
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A

Not really. The most you might have to wait would be if you see the endo and he prescribes blood tests before the actual HRT. But in my case, I already had the results at the appointment, and I left with the prescription.
A's Transition Journal
Last update: June 11th, 2012
No more updates
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MagicKitty

The price for everyone will vary a lot from person to person. There's insurance, and many people have different hormones, which each cost more or less depending on the store as well. I pay about 30 dollars a month for hormones. It also depends on dosages. I have a moderate dosage, many doctors start people out VERY slowly on HRT, and the costs will be lower compared to a year later.
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Nov413

Quote from: A on June 09, 2012, 06:35:42 AM
Not really. The most you might have to wait would be if you see the endo and he prescribes blood tests before the actual HRT. But in my case, I already had the results at the appointment, and I left with the prescription.
All right
Thanks!
"Courage and perseverance have a magical talisman, before which difficulties disappear and obstacles vanish into air." - John Adams
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Trans-Girl kirstin

so i have wisconsin badger care anyone know how much that costs for hrt?
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Obfuskatie

My prescriptions all have a $10 copayment each month with my insurance, Health.net.
The expensive part is hair removal, new clothes, therapy, and surgeries. [emoji53]
Edit: I live in California btdubs

     Hugs,
- Katie
Sent from my iPhone using Tapatalk



If people are what they eat, I really need to stop eating such neurotic food  :icon_shakefist:
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Eva Marie

If you can take pills HRT is pretty cheap in the U.S.

There are many places here that sell common prescriptions for either $4 or $10 for a 30 day supply. I buy a 90 day supply of Estrace from Walmart at a time and my cost is a multiple of the $10 monthly cost. My spiro is also priced at $10 for a 30 day supply. I see that Walmart carries MPA at the $4/$10 cost too if you take that - I know that prometrium is higher but not prohibitively higher - my prescription for that costs me about $22 a month.

I don't know what the cost of injections or patches are.

As others have pointed out the real cost of HRT are the initial prices you have to pay for the lab work you'll need before HRT will be prescribed. I had to pay $600 out of pocket for my lab work.

Being a female is just dang expensive  :laugh:


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ImagineKate

All my doctor visits are covered by insurance and they are in network. I pay a $15 copay and $15 for lab work per visit. I also get my primary care from this doctor. All my lab work is covered even the "female" ones even though I am still a "male."

My prescription plan has a copay ranging from $0 to $5 for most generics. Spiro is $4.66 for a 30 day supply. Estradiol is supposed to be $5 as trans care is supposed to be covered in NY but I haven't approached the insurance about it yet. I get it from Walmart for $10 (I need 90 pills per month).

So per month costs:

Dr and labs: $15 -$30
Medications: $15

Total $45 per month max out of pocket. That's not too bad.
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Cassi

Hi,
Soooo much information and I'm like totally grateful for it all.
HRT since 1/04/2018
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