Financing?

[aurora17]

wow thats alot :/ i dont know if i could afford that on a part time job lol...then again i dont really need hair removal or hairdresser. how much is just for hormones/therapy?
gotta find a way to make it work. ._.

For hormones, I pay for myself and for a friend, who cannot afford it. It amounts to around 200 USD/month on average.

[LordKAT]

Currently between 1000 and 1500 USD a month. I'm paying for hormones, laser hair removal sessions and hairdresser, and saving at least 1000 USD a month for surgery.
I should be on schedule for paying the FFS next year.

That is more than I earn working fulltime.

[aurora17]

That is more than I earn working fulltime.

I'm using all my resources towards transition. I do not spend money on anything else.

[Valerie Elizabeth]

I personally am funding my transition through a couple different means. 

1) Student loans.  I know I shouldn't be, but I am.
2) Part time job.  Doesn't give me a lot, but it covers my meds, gas, clothes, and SHOES!.
3) Parents.  I don't know if that is an option for you, but it could help.


I am under my parents insurance, so that helps a lot.



Costs?

Doctor visits
Cost about $300 per visit without insurance.  With insurance, $0 (although it should be $10, he hasn't billed me yet).

Hormones
With Insurance
- Sprionolactone costs $5
- Finasteride costs $5
- Estradiol costs $5
- Prometrium costs $15
- Total of $30 per month.
 
Without insurance
- Prometrium costs $32.72
- Estradiol costs $10
- Finasteride costs $42.89
- Spironolactone costs $55.88
- Total of $141.49 per month

Prices will differ based on different doses and medications (generic vs name brand) of course.  Also, it probably differs on where you go and where you live.  These are my costs, and yours will probably vary, but are probably a good place to start.

Blood Work
Runs about $450 without insurance.  $0 with insurance.

Again, it depends on what you are having tested and where you are going.  I can't find the bill from the blood work, but when I do I will update with the individual costs.

Therapy
I can't actually provide a price, as I don't know.  I get my therapy through my school, and it is covered under my tuition.

Hair Removal
Depends on the places you go, where you live, what your having done, and how you are removing it.

Laser cost $450 per session for my face and neck.
Electrolysis costs $60 per hour.

Name Change
$200 for the name change.
$5 for certified copies, per copy.  I bought 12, so $60. 

I should have bought more, say 15 or 20.  I didn't get most of them back when I sent them away, and everyone (aside from the DMV) wanted certified copies.  I have one left.



I hope that information helps.  Sorry for my post being a little long and drawn out.  That's just how I am.

[Suzy]

BubbleTea,

First, you are very pretty! 

If you have insurance, find ways to work it.  Mine pays for Finasteride, has paid bleparoplasty, and is soon going to pay for most of my nose surgery.  They also pay for all my blood work and my endo visits, minus a copy of $35.  So there are ways.  Unfortunately, my therapist is not on my insurance, so I have to pay $140 for a visit.  Needless to say, I don't go so often.

Best of luck!

Kristi

[Hannah]

1) Student loans.  I know I shouldn't be, but I am.
2) Part time job. 

Seconded, student loans are a windfall. For the younger kids you might think about moving out of moms and having an adventure for a year before you start college, because the funding levels between "dependent" and "independent" students are pretty huge. It's hard to save those great big checks but you will if you want it bad enough.

[Valerie Elizabeth]

I moved out of "moms" like 5 years ago.  I forgot the reason I am no an independent.  Might be for insurance.  Not sure right now.

[Hannah]

I just assumed you were an independent student Valerie, I didn't mean to sound like that. Sometimes people come on complaining that they are hardly getting anythng from financial aid and that's the only explaination I can come up with.

[Valerie Elizabeth]

I didn't think you sounded like anything, or whatever.


I know I don't get a lot of financial aid because of my parents.  I barely get any.  I have to pay for 90% of school on my own, which is a lot.  The other 10% is from the government, and a little scholarship from the school.  It is what it is.

The problem now is that it is harder to get student loans.  I should have come out years ago (I know everyone says that), but it would have made financing so much easier.  I would have been able to get the full amount I need at a really really low interest rate.  Sure, I can still get the money now, but it is A LOT harder, and the interest rates are much higher (although, still pretty low).

Oh well.

[Hannah]

Oh, are you talking about extra outside loans on top of the Stafford or Perkins? I don't understand why you aren't considered independent, I think the stafford loan limit for independent students is like 12k a year.

[BubbleTea]

I personally am funding my transition through a couple different means. 

1) Student loans.  I know I shouldn't be, but I am.
2) Part time job.  Doesn't give me a lot, but it covers my meds, gas, clothes, and SHOES!.
3) Parents.  I don't know if that is an option for you, but it could help.


I am under my parents insurance, so that helps a lot.



Costs?

Doctor visits
Cost about $300 per visit without insurance.  With insurance, $0 (although it should be $10, he hasn't billed me yet).

Hormones
With Insurance
- Sprionolactone costs $5
- Finasteride costs $5
- Estradiol costs $5
- Prometrium costs $15
- Total of $30 per month.
 
Without insurance
- Prometrium costs $32.72
- Estradiol costs $10
- Finasteride costs $42.89
- Spironolactone costs $55.88
- Total of $141.49 per month

Prices will differ based on different doses and medications (generic vs name brand) of course.  Also, it probably differs on where you go and where you live.  These are my costs, and yours will probably vary, but are probably a good place to start.

Blood Work
Runs about $450 without insurance.  $0 with insurance.

Again, it depends on what you are having tested and where you are going.  I can't find the bill from the blood work, but when I do I will update with the individual costs.

Therapy
I can't actually provide a price, as I don't know.  I get my therapy through my school, and it is covered under my tuition.

Hair Removal
Depends on the places you go, where you live, what your having done, and how you are removing it.

Laser cost $450 per session for my face and neck.
Electrolysis costs $60 per hour.

Name Change
$200 for the name change.
$5 for certified copies, per copy.  I bought 12, so $60. 

I should have bought more, say 15 or 20.  I didn't get most of them back when I sent them away, and everyone (aside from the DMV) wanted certified copies.  I have one left.



I hope that information helps.  Sorry for my post being a little long and drawn out.  That's just how I am.

Wow, thanks alot Valerie! i know that prices arent the same everywhere but this gives me a good view of how much i will need to pay. I might be able to get insurance through my mom. they offered her a plan a few days ago, i'll see how that goes. Its supposed to be thru HealthNet whis is supposed to cover some of the costs for transition..

BubbleTea,

First, you are very pretty! 

If you have insurance, find ways to work it.  Mine pays for Finasteride, has paid bleparoplasty, and is soon going to pay for most of my nose surgery.  They also pay for all my blood work and my endo visits, minus a copy of $35.  So there are ways.  Unfortunately, my therapist is not on my insurance, so I have to pay $140 for a visit.  Needless to say, I don't go so often.

Best of luck!

Kristi

Thanks Kristi!
haha a cousin of mine has your name also xD
i was just wondering, what is the Finasteride used for? would i need it too? i thought i would only need oestrogen and spiro...   

[Hannah]

Spironolactone blocks a lot of your testosterone but not all. Finasteride and it's big sister Dutasteride keep most of that tiny little bit that's left from hurting you. The idea is to stop as much of the masculinising effects of testosterone as possible, and the effects of fin/dutas-teride really help with that. It's actually a really interesting process to read about with words like DHT and active metabolites, and definitely worth reading up on before you start putting them in your body.

I read somewhere once that two years worth of Avodart costs about as much as an orchiectomy, and thought that was a rather interesting concept. Using generic avodart I haven't looked into it but it's a good approach too I guess. I dunno how orchis go though, is it the same qualifiers as an srs letter or? Now that I think of it the price of avodart has probably come down too with generic competitors showing up, but it's still an idea.

[Shelina]

BubbleTea, sorry to get out of subject but I would have jumped on you if you were a straight male.  You're so cute. Oops, sorry sister I think I'm becoming lesbian...

[BubbleTea]

BubbleTea, sorry to get out of subject but I would have jumped on you if you were a straight male.  You're so cute. Oops, sorry sister I think I'm becoming lesbian...

lol alright that scared me hahah. i'll just take that as a compliment how bout the new photo

[Shelina]

lol alright that scared me hahah. i'll just take that as a compliment how bout the new photo

Eww no more, your feminine face and big boobs freaks me off. LOL!