Insurance coverage of SRS

[Audrey]

I know that this is has probably been beat to death, but has anyone had any luck with insurance companies paying for SRS or therapy.  I have been paying out of pocket for everything, and I just got on the insurance plan at work.  I know that most companies have exclusions, but I'm hoping with a letter from my therapist that they might cover it.  I have most of the money in a Roth IRA, but would rather not blow through my retirement unless I can help it.

Audrey

[Cire]

Check your insurance plan.

My insurance plan specifically excludes any transgender treatments.

You can go to court, you might win or lose. I think more have been losses.

[lisagurl]

It also depends on how the doctor codes it. For example hormone imbalance.

[Purple Pimp]

Yep, just got to read it.  All the ones I've ever had or currently have spell out the big "uh-uh" in the fine print.

Lia

[tinkerbell]

Not SRS, are you kidding?  but I have had coverage for my HRT and therapy...better than nothing, correct?

tink

[SusanK]

Most health insurers in the US won't cover SRS, and even write language specific exclusion clauses in their plans, but some companies and governments will cover it independently of their employees' health insurance and some might be convinced to cover it for a valuable employee, check and ask your HR office. Some health insurers will cover therapy, treatments, tests and hrt, check your insurers benefits plans. For example some health insurers cover therapist(s) for specific conditions with treatment plans for full payment and will cover any related condition by an accepted (by their plan), state-licensed therapist for partial payment. And hrt is often covered through drug coverage as it's not sex/gender specific anymore.

Good luck.

--Susan--