How did / do / will you fund your transition?

[sad panda]

It hasn't really cost much... humm. Insurance covers my hrt. I mean aside from the cost of being a girl to begin with. Still trying to figure out how i would pay for SRS if i was gonna stay a girl.

[Just Shelly]

It hasn't really cost much... humm. Insurance covers my hrt. I mean aside from the cost of being a girl to begin with. Still trying to figure out how i would pay for SRS if i was gonna stay a girl.

So you may not stay a girl!!???

[RosieD]

Mine is all covered by the NHS, though strictly speaking I have already covered the cost three times over in national insurance contributions.

Rosie

[alena]

My transition is being funded by myself through savings. I've also had to cut back on spending and sell things I don't really need anymore. No more expensive holidays for me for a while! 

[sad panda]

So you may not stay a girl!!???

Uh huh I wanna detransition

[Janae]

Wow, I also wasn't thinking about the fact that different people want / require different surgeries / procedures, etc. I'm really fortunate to have little body hair and all of it blonde so I didn't do any hair removal except for some electrolysis on my face. The only other thing I've done is SRS and a tracheal shave. I was exploring FFS at one point (really prominent brow ridge) but the couple of people I consulted with strongly discouraged it. So my bill ended up being about $12,000 since hormones are covered by insurance. And yes, my ex paid for that, which I'd feel guilty about if he were struggling but it's all inheritance money. I feel more guilty that he thinks the man he loved died when I had the surgery, but he loved the man so much that he was willing to pay for it anyway.... argh.

Well on the bright side what body hair I still do have is very light and sparse compared to before HRT. Body hair was a major trigger for me when puberty started. The way it is now I'm guessing a few sessions and it'll be gone which is a relief, even though I'll have to focus on the facial hair the most.

A breast job is a no brainier I want my girls to be fuller and rounder to even out my overall shape. I don't expect mine to get any larger, even though I'm giving it another yr just to be sure.

As far as FFS I pass already without it, I only want it to make things just right and erase the little things that are still visible such as my hair line.

The BBL is high on my list because I want a nice thick curvy shape, as most African American women do and I'm no exception..lol

As far as hormones, I don't pay anything for spiro or estridiol pills and I only pay $20 for my delestrogen injections which is a blessing.

[immortal gypsy]

2 jobs, 60-70 hours per week over 6 sometimes 7 days and friends that understand that I need every hour I can grab both jobs throw my way to afford make it affordable. Now if only I can stop buying boots

[emilyking]

I wish our government would finally allow us to be covered under Medicare.
But for now, I have my work take out $175 in taxes so I should get back around $4000-4400 a year.

I live in Colorado, and there are a few companies that will cover everything including SRS, but I have no clue how to find these plans.  Not this Thursday, but next I will be joining a local support group, and will talk to others about it. 

If I pay out of pocket, my plan is to go to Thailand, for SRS.

[Alaia]

...there are a few companies that will cover everything including SRS, but I have no clue how to find these plans.

You can start by looking through HRC's Corporate Equality Index 🔗 [Link: hrc.org/files/assets/resources/cei_​2014_​full_​report_​rev7.pdf/]. Look for companies in your industry with a 100 percent ranking.

[anais]

Uh huh I wanna detransition

I understand if you don't want to talk about it but what made you decide or think about detransitioning?

[FrancisAnn]

One of the other topics brought up the issue of transition funding and I was wondering how people here are funding theirs?

I have an interesting story. I was with an independently wealthy gay guy when I transitioned and he helped me pay for surgery even though it meant the two of us breaking up. It would make a good made-for-tv movie someday.

Good for you. There are plenty of people in the world with capital/$. 20-30K is nothing for a rich man. I'm financially OK & do not need any financial help.

If I may to others. It's OK if you find a man that wants to help you change. It's just OK. There are so many lonely men out there & perhaps the relationship can work long after your SRS.

[Allyda]

Right now insurance is paying for my hrt. However, for my 1st 2 months and 2 weeks I paid for the meds out of pocket. Finally got things straightened out with insurance and they're paying for my meds including the expensive Avodart. For me to be whole though, I must have SRS. FFS, and even VFS take a back seat when it comes to correcting natures blunder. As for whether or not my insurance will pay for SRS I just don't know yet.

Saving anything is hard for me right now as I have a mortgage, the normal bills, and insurance premiums on my home, truck, and boat monthly that come out of my low fixed income. I do work for myself on the side which helps with spending money each month, and no longer having to pay out of pocket for my hrt meds will free up some finances. However I do have an ace in the hole if my insurance won't pay. My home is close to being paid off. In less than 5 years I'll own my home and both lots here on the island free and clear -less if I can refinance. So I do have refinancing, reverse mortgage as I'll be over 50 by the time 2 years of hrt will be completed, and the option of selling my home using that money for SRS and moving back to the reservation I was born on.

For me SRS is an absolute must within a reasonable amount of time of hrt. For now I'm very happy with my progress and with the way hrt is changing me for the better, and hrt giving me back my long black locks of hair thickening it and filling in the spots where DHT started to take it away from me. However with all the years of my life waisted in misery for other peoples sake, well, let's just say I don't want to lose my positive sense of being I finally have by discussing how I'll afford SRS if my insurance won't help further. As I've stated I do have a few options, and I do have talent with boats and computers for making extra money, so for now I'll elect to remain positive and have faith things will work out with regard to my SRS. 😉

[jussmoi4nao]

I'm thinking about getting a sugar daddy maybe at the end of the year or so. I've had a lot of older guys with money be like "ohh, ya know, id like to help" and I'm always like "uumm, maybe" but turned off by the idea. But now, I dunno. Its not soo bad an idea. To have a guy make me his perfect woman, we both get something out of the deal, and its nt prostitution. So maybe that. Otherwise, I'll just be patient. Stay at home, save money, maybe even webcam model. I'm not even 100% sure SRS is my path. Regardless, I'll make it work. I'm young, so I have time to just develop for now, the n make a game plan.

[ErinM]

I'm fortunate to be living at home rent free, so almost every bit I make is going into electrolysis right now. For the time being, I have an excellent drug plan covering 100% of my prescription costs. Sadly this will end eventually because my hours have been cut to the bone.

While the province will pay for my GRS, I'm planing to pay out of pocket to get a tracheal shave done at the same time.

[ath]

Right now I'm working two jobs to save up. I'm self employed with one of them, but I'm pretty busy with it. I'll probably start laser and/or electrolysis soon, just to get it over with faster. I'm saving a good amount per month now.

[MadelineB]

My company allows employees to borrow up to half of the vested balance of their retirement savings in a loan to be paid back over 5 years. Warning: there are major tax penalties if you don't pay it off before you change employers (though if you document it, tax deductible medical spending like GCS can be exempt from the penalty).

[930310]

If, and it's a big IF, I ever decide to transition I will go to a psychiatrist and hopefully get a diagnose that I'm trans. Then the government will fund most of the procedures along the way except hair-removal. So that procedure I'll have to fund for myself. Luckily(?) I was involved in a traffic accident when I was seventeen and got out almost $20 000 in insurance money, so hopefully that will be enough.

And all this is hypothetical so far. I'm clueless...

[Monique]

my insurance in RI covers a lot of transgender stuff im on Medicaid and medicare and they pay for a lot of stuff here, but I think a lot of the health programs in RI have changed a lot of there transgender rules, I could be wrong but I have had no problems yet. I already have an endocrinologist appointment that my insurance is paying for.

[Missy~rmdlm]

I have funded my own costs out of pocket with my satisfactory middle class job. My costs include, all hair removal, copays, travel etc. My costs have totaled about $10k over the last two years.
Insurance though my job has funded much more, including my SRS. Now determining what insurance has covered is difficult, because they negotiate costs down, a $700 lab out of my pocket may only cost my insurance a negotiated $100. So I'll just have to place a nice round number on it my insurance has funded about $40k over the same time period. This is a significant work perk, not a random chance though, I laid groundwork for many year before transitioning including my government job.

[Laurelin]

Well this seems like cheating but I am fully covered by my mother, she is willing to spend up to $40-50k for this which seems to be enough since I dont plan on getting any extensive FFS. She was planning on getting a summer house in a coastal town in the mediterranean before I came out so I kinda feel bad for her. I am still financialy dependent on her and this kinda blows