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Transitioning costs and insurance

Started by LJH24, January 13, 2018, 06:18:44 PM

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LJH24

I wasn't sure where to post this since it covers a lot of different areas.  I called and talked to our insurance company yesterday.  The lady was very nice and super helpful, even though she didn't have much good news for me.  She kept apologizing. It's not HER fault! We live in Idaho! LOL

There is a specific exclusion in the policy for transgender services - but she said sometimes with blood work, office visits, etc it might depend on how the Dr. coded the service - so it could be covered sometimes. However, if my daughter gets to the point of GRS - that will definitely not be covered.  I am a teacher and have been looking at possibly finding another teaching job in Washington. We live very close to Washington state, which is much more liberal.  Some of the school districts are part of the WSHCA - which has plans with Kaiser Permanente that look like they will cover GRS.

I know many women go overseas for their surgeries because of the cost of US healthcare and the skills of overseas Drs.  I realize that even IF I get on a plan that will cover GRS - it will probably not cover everything. So I guess what I'm wondering is if anyone has an opinion on the cost of surgeries in the US (even with insurance coverage) vs cost of surgeries in other countries. Does it make sense for me to look for another job and shop for better insurance? Or are surgeries in other countries so much better and so much cheaper that it's a way better option anyway?  ???  :-\ Does that make any sense? Thanks.

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rmaddy

That's incredibly frustrating.  No one should have to leave home to get care for themselves or their families.

I personally decided that I could not seek care internationally because, being somewhat (ok...a lot) older, I know how important it is to be able to get meaningful followup with one's surgeon if things take a nasty turn, which was indeed the case for me post BA/FFS.  Being able to text/talk with my surgeon any day of the week and stop by the office has, for me, validated the decision to stick with a local surgeon rather than pursuing a big name clinic.  I paid out of pocket, but my surgeon's fees were competitive to traveling abroad, especially given that I was in my own bed (chair, actually) the day of surgery.  Nevertheless, the well-reputed clinics and physicians have plenty of enthusiasts on these pages.  And, when it comes to GCS in March, I am getting my surgery at the Mayo Clinic, which for me is also local, covered by my insurance.

There may be other advantages to moving to a bluer state.  It is easier to be trans where transfolk are more accepted. You might want to give thought to what sort of community support she can anticipate in your home area.  Finding other transgender people with whom to interact is difficult in rural MN.  I know there are places where it might be substantially worse.  Remember that dealing with the body is only a part of the journey towards self-acceptance and coherence.

I wish you the best of luck as you try to figure out the best way to care for your kids.
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LJH24

Yes it is very frustrating. Also scary to know that I could uproot everything and move to a new position because of their insurance and then the following year they could end up with a new insurance plan that excludes all coverage again. :(

The town we are looking at in Washington is Pullman - which is where WSU is located. (https://news.wsu.edu/2017/08/29/top-25-lgbtq/ ). There is also a Dr. in Pullman now who performs vaginoplasties. It seems like it would be a good location for our daughter and our youngest son will be going to school right across state line in Moscow, ID.  Obviously, the Seattle area is a more open-minded, liberal part of the state, but I also don't think I could afford to live there on a teacher's income.
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