Thanks Izzy,
I'm having Marci Bowers do it. She is one of the very few that will get pre-autorization from your insurance company. It is written very vague in my policy about coverage. In the exclusions under my benefit's it does say that some of the policies exclude this. It is depending on the policy or the tier of coverage. Since my employer offer's a couple of differing tier's of coverage the exclusions section in the policy is very generic and doesn't specify as to which tier is covered and which isn't. I talked to both my employer and my insurance company. Both have asked for a doctor to submit for pre-authorization. My employer has been trying to help, but they are not very experienced in dealing with this sort of topic. They have been very supportive just not very helpful. This is why I'm seeking advise. I was just curious if anybody else had any experience dealing with this type of issue.
I do know here in the States that the Affordable Healthcare Act will be working towards more inclusive policy's regarding transgender care. This is including hormone treatments and surgeries. Some States have already passed legislation that protects transgender people from discrimination of insurance companies. Making it illegal to exclude medically necessary treatments. I think that insurance companies are going to have a rude awakening come January first when they have to begin to switch there policy from transgender exclusions to becoming more inclusive to trans people.
