Ill be on hormones within two months and im trying to get a good insurance before i go to my appointment. Im not 19 yet so my mom will have to co-sign with me, but i have a job and can afford the premium or the pay for the doctor visits and the monthly charges. What insurance do you have? and is it accepted mostly everywhere to see a doctor for hormones? I actually heared that some girls get declined by their insurance for actually wanting hormones...how do i avoid this? Thanks to all who answer my question!"""""IM THE BIRTHDAY GIRL TODAY, YAY!

Good insurance without an employer to take up the slack is very expensive, $700-$1200 a month. I never heard of a cosigner for insurance before.

Insurance will sometimes say that the hormones are not needed and refuse to pay especially if they have some clause about not covering trans related care.

Happy birthday!!

Well im just looking for my OWN insurance. How much would i run about a month? I can get on my moms bluecross blue shield insurance....do you think they will accept it? And what are the tricks for them to accept it?

Really hope, someone with some knowledge of US helth insurancecan advise you.

All I know of in relations to insurance is that they can find a way out of anything.

But, whatever happens, I do hope you take some advice before spending huge amounts on something that won't deliver.

You can get almost any insurance company to write a policy to cover anything and everything. But its often going to cost more than what you'd pay out of pocket.  My union self-insures though BC/BS, and they cover all that, but that's the way the policy was written.  And BC/BS (which is like 39 companies combined I think - a way to guard against catastrophic payouts) is one of the largest and most profitable insurance companies in the world, I doubt they got there by being easy to 'trick.'

Well im thinking about united health care insurance..so do you think this is good and also, do i have to get them to write something out where i can take hormones?? im sorta confused :/

It isn't enough to just know the name of the company that is providing the insurance. Each company offers all sorts of different programs and options at different levels of coverage and cost. However, most policies I have seen do not cover trans stuff such as hormones. A savvy endo can usually find reasons for them to cover things like blood tests.

I would do a little research on the United Healthcare site for the type of insurances they offer and see if they have one that covers transition related costs, see if you can purchase it and how much it costs. Also see what their requirements are, as they are sometimes different than required by WPATH. My wife's insurance company has a plan that will cover GRS, but they require you to extend your RLE, from the standard 1 year to 2. Ok if you have no other way to pay, but not ok if you have the cash to pay now.

If you can't find the info on the website, call them and ask them flat-out what is covered and how much. It might end up being more than you would pay cash to the doctor.

They are in business to make money, not lose it.  So on an individual one-off (as opposed to group) policy is more than likely going to cost more than the out of pocket costs would be.

Well i just got off the phone with them and they said that they will cover the doctor visits and stuff and the prescriptions. I talked to a transitioned girl and she said that anthem pays for srs as well as hrt..which im only looking for hrt right now, but would love srs. this whole insurance thing is a big confusive mess! i just dont want to get the insurance then cannot get the hormones..then money will be spend for nothing! I have to find an insurance quick!

I think you need to search around the web, read a bunch of tutorials, and find out how insurance works first.  Your not in a pool situation (the most common way to insure) so getting them to cover your drs and SRS/HRT is going to cost a lot.  They are not going to set themselves up so that you can pay $5K and get $20K worth of bills paid off with that.  But I bet you're looking at $6-9K per year.