I browsed the other sections and this isn't quite SRS, or would it fit there?  (If so let me know ASAP and I will move it!)

I have no problems downstairs, I'm not sexually active, and have opted out of a pelvic exam.  Please don't lecture me on that, I've been abstinent and horrified of that exam.  I really want to just get it over with, but that's for another rant. I'm more curious about how one gets to getting the surgery. 

How exactly does one get a hysto. if they have no problems?  I notice everyone seems to get them when they have an issue.  I have insurance, and if I do proceed with the exam, and nothing is wrong, that would imply I have to pay out of pocket?   I'm pretty sure I can't take out a loan for this either being I already have X loans out for schooling.

I've now reached 5 years on T, and I'm getting a little worried about having these unused organs in there.  With all the random things that can happen-- the battle of the hormones, lol, then hearing how people like Buck Angel ended up with a wacky infection... I just would like these out of me, but won't lie I can't afford surgery out of pocket.

Thanks for any info. 

Edit: I do realize I need a pelvic exam to get the surgery!

I think it depends on your insurance.  Some may cover a hysto without there being a major problem.  I'm not 100% on that though.

I'd really like an answer to this as well because I really want those bits gone. 

I think Adio does have a point.  In your case it seems that getting a hysto could be seen as more of a preventive measure so it COULD be possible to have insurance cover it through those means and that may depend on whose coverage you got as well.

Oh yeah, I'm pretty sure if you go the 'preventative measures' route, your insurance'll cover it. They're not going to want to pay for the treatment on you if you develop something weird or hard to fix. They'll lose more money that way, so I bet if you spin it to your doctor as 'Hey, this could cause severe problems later on' s/he won't have trouble getting the insurance to cover the procedure. I don't have much experience in this field, but usually if a doc can't go through the insurance you can petition them directly. It's all about how you spin it. If you find a good deal of  research on patients who were on T for an extended period of time and it directly affected their lady bits in an expensive way, you'll have a better chance of getting them to cover preventative measures, like a hysto.

Again, I don't know about this specific area. My mother got a hysto when she got cancer, even though the cancer hadn't spread to her lady parts. It was all 'preventative', and insurance covered it just fine. (Mostly because they knew that cancer has a tendency to spread there and it's more cost effective to just go ahead and remove the problem spots, before things get worse.)

Are you in the US?  The thing is that all of these issues change depending on where you are in the world.  I'm in Australia and transsexualism is classed as a medical condition, not a mental illness - so any surgeries associated with it are usually covered by Medicare and private insurance.  I just saw my gynaecologist this week and she said she'd do my hysto with an assessment from a psychologist.  Private insurance will pay for most of it after the 1-year waiting period required for pre-existing conditions (i.e.- transsexualism).  Otherwise, my GP can get me into the public hospital system to get it done if I don't have private cover at little cost to me - but no choice of surgeon as a public patient.