My policy started covering trans stuff only this year, and they didn't have any handle on it a couple of months ago when I started calling for information. I was told that trans surgeries are covered (I already knew that), and the nice lady read every single syllable of the wording in a few different sections of the coverage document (I had already read them) and then referred me to my benefits office for an Evidence of Coverage document that I think I've already accessed. I need to start printing out these documents and keeping track of what I have and whom I have called.
I guess my next stop is to actually call the benefits office and ask what to do next, sheesh. I'm thinking that if I want hysto covered in one year, I had better start getting my ducks in a row NOW. At this rate, I might need to wait even longer than I had anticipated.
You can get specific information by calling the number on your insurance card and asking, but you should be able to get online access to a very large document that explains exactly what is covered and what basic hoops you have to jump through. Your card should have a URL, and once you have established login access, you will be able to get direct access to the document. But it likely won't tell you whom to call or precisely where to start.
You might have to do a lot of digging, but stick with it. Keep track of which numbers you call, the people you talk to and which department/division they work in, and the documents you have at your disposal. That way, if someone says, "Oh, you need to start with the Evidence of Coverage document," you can say, "Yeah, I've already done that, and it doesn't tell me whom to talk to or how to get started. That's why I'm calling YOU. If you aren't the right person to talk to, please transfer me to someone who can help." Or whatever.
Anyway, that's my two cents' worth. Or a quarter, adjusted for inflation.
