Community Conversation => Transitioning => Hormone replacement therapy => Topic started by: Tammy M on May 22, 2012, 02:05:52 PM Return to Full Version
Title: Insurance question
Post by: Tammy M on May 22, 2012, 02:05:52 PM
Post by: Tammy M on May 22, 2012, 02:05:52 PM
Last week I got my first prescriptions for an estrogen patch and spiro. My new doctor put my physical and related blood tests onto my insurance and I had to pay out of pocket for the hormone level baseline test and the office visit when i got the prescriptions. My doctor says it is a red flag to insurance compnaies giving a female hormone to a genetic male. The spiro could be used as a blood pressure medicine so that would probably be covered.
I went to a large pharmacy I had not used in some time and told them i was a new patient and I did not file my meds on insurance at this time, but they did already have my information from my visit there in the past (must have been a few years ago). The lady told me the patches would be $100 for a month's supply and I was willing to pay that. When I went to pick them up the patches were $35 and the spiro $10. Insurance had picked up both even though I had requested they not. I just took the meds and went home to apply and take them. I don't think you can undo something already on an electronic record.
My question is can this cause me to lose my insurance (it is a major comapny and a private plan)? Can/will it cause my rates to go up?
I went to a large pharmacy I had not used in some time and told them i was a new patient and I did not file my meds on insurance at this time, but they did already have my information from my visit there in the past (must have been a few years ago). The lady told me the patches would be $100 for a month's supply and I was willing to pay that. When I went to pick them up the patches were $35 and the spiro $10. Insurance had picked up both even though I had requested they not. I just took the meds and went home to apply and take them. I don't think you can undo something already on an electronic record.
My question is can this cause me to lose my insurance (it is a major comapny and a private plan)? Can/will it cause my rates to go up?
Title: Re: Insurance question
Post by: Jeneva on May 22, 2012, 02:45:08 PM
Post by: Jeneva on May 22, 2012, 02:45:08 PM
My insurance has paid for all my HRT medications. I've not turned in any endo visits or surgeries though.
No comment from them at all yet (9 months or so [as far as legal HRT goes]).
No comment from them at all yet (9 months or so [as far as legal HRT goes]).
Title: Re: Insurance question
Post by: Robert Scott on May 23, 2012, 11:05:23 AM
Post by: Robert Scott on May 23, 2012, 11:05:23 AM
My insurance covers my hormones even though they have a policy not to cover transgender stuff. They have also covered all my appointments & labs. I just don't say anything and let them continue to pay for it.
Title: Re: Insurance question
Post by: Silvrnite on May 23, 2012, 01:14:40 PM
Post by: Silvrnite on May 23, 2012, 01:14:40 PM
Quote from: Robert Scott on May 23, 2012, 11:05:23 AM
My insurance covers my hormones even though they have a policy not to cover transgender stuff. They have also covered all my appointments & labs. I just don't say anything and let them continue to pay for it.
lol, me too! my insurance is paying for the spiro, and my doctors visits, and labs. but i do pay outa pocket for the E. no biggy. 55$ ish for almost 5months worth. but yeah if insurance isnt gona question you, dont question them! lol. just my opinion anyways.