Grand total out of pocket hit a year, with some 20% discounts, to maintain what I've been doing for treatment now: $8000  And that's not counting the loss of my Domestic Partner insurance.

What am I going to do?

Wow $8,000 a year? Is that including premium costs? I am 100 percent self funded and my expenses are like 25 percent of yours. Could be the area though and cost of treatment differences.

That's my therapist visits, my group therapy, my endo, my bloodwork and my prescriptions and that's actually after taking out what my old insurance covered.  Factor in what my old insurance covered it's about $10,000 in yearly out of pocket expenses.

Group I'm willing to drop outright.  Therapist, I could cut to once a month.

I've been hemorrhaging money on my ill cat (who got better), a crashed but needed-data-recovery hard disk, a new car cause I got in an accident, etc... for months now and racking up bills for it.  This breaks me.  I gotta cut.  And, if I gotta cut, I wanna move and end this long distance relationship crap.

Yeah if you can move closer to your SO that would be great. I've never been in a long-distance relationship but they sound hard. That is alot of stuff you do there. A lot of the stuff I do is on a sliding scale and I don't really have to do much since the clinic is informed consent. But you gotta do what you gotta do. Glad your cat got better

I'm not getting the law involved.

Yeah, a lot but I've been thinking that it's time to scale some back anyway.  It's just how precisely they target exempting non-traditional households from their medical coverage, add on how they turn up the fire with missing trans issues-- makes me feel tolerated, not accepted, there.  That hurts.

I needed stability.  Not this.  Not this.

Have you asked your therapist if the would work with you on a sliding scale fee?  It might do some good.  Also, you may want to see if you could get on a less expensive hrt plan.  I am not yet there myself, so I don't know, but I hear there are less expensive methods available.  For example, I hear pills are much more affordable than patches. If you live near an LGBT clinic, they may be able to assist you at a lower cost too. 

I don't have much advice to provide as I am in the very beginning stages of everything myself, but I really feel for you and want to wish you lots of luck. 

Quote from: Julie53 on April 17, 2013, 09:58:39 PM


I do feel a little bad about the manager having a heart attack, I really wouldn't wish that on anyone,

Of course you don't, but as for the illness itself, he brought that on with his chosen lifestyle.

I just love your story. 

And the second night I can't sleep because of this.

Did learn a little while ago one safe thought to have at 3:00 am is "pet the kitty".

I have an appointment with the director of HR on Tuesday to try and get to the bottom of why the policy is the way it is, then to discuss it from there.  Have an ally coming with me.

I'm so uncomfortable with having to do this.

Good luck!  I hope it ends up well for you!