Try your best to keep the insurance you have until after you have the hysterectomy! In an ideal world, all policies would cover trans health care to the fullest extent...but most of the country is NOT there yet. It is better to have a little confusion and pay for your hormones for a year or two than be stuck finding a way to pay for a surgery that is not affordable. I was so happy to have insurance that covered my procedure (after a big deductible), which ended up being over fifty thousand dollars! Turns out I had a benign tumor in there with all that stuff and needed an inpatient surgery---since I was still insured as F, it was covered. Had I been male, even though it was still medically necessary and not transition related, it was not a procedure covered for a male patient.
Health care is truly NOT affordable! Costs are exorbitant for everyone. Many people live in fear of being sick or needing care because they are one major hospital stay away from financial ruin. Yes, the ACA has made it easier for people to obtain and afford insurance through subsidies, but still the costs are unbelievable. Those not eligible for a government subsidy or employer plan usually can only afford a high deductible plan, which can be brutal as well. We have a long way to go in this country with health care reform. Obama has made a start, but the system is headed for collapse and will need to be completely redesigned. Wow, sorry to hijack your post with my political rant!
Just be very careful in researching all of your options. Assume nothing. Document everything. Good Luck!
