I've been in talks with my hmo and my medicaid in my state and they gave me some solid advice. My hmo people had no clue what to do or say when I was calling them,so I went directly to the state and asked them. I was really upfront about what I wanted from them, and the woman I was put in contact with gave me hope. Getting hysto isn't out of the question because I haven't got my gender marker changed just yet and even if I do I just have my doctor talk to my insurance about it. She even hinted that they might help cover top surgery costs because I get a lot of back pain no matter what I do. My T will be covered once my gender marker is changed, but even if it wasn't changed they just would have my doctor explain about how it's medically necessary.
She hooked me up with my hmo people and they gave me a case manager for the future so I won't have to search in the dark anymore for answers. I'm so relieved about it and I still need to talk to my primary doctor about getting prior authorization for him through my hmo but I'm so much less confused.
I was really afraid that I wouldn't be covered and would have to go to Planned Parenthood. The ones in my area always do tests that I don't authorize and tried to bully me into taking HBC after I told them why I wouldn't consider it for any reason and was seeking to get on T.