Quote from: 1972scarednalone on November 23, 2016, 03:08:12 PM
please let us know if it works out. i really do hate my beard and all ways have so...
do insurance companies take therapists referrals serious? or do they want psychiatrist?
Oh, I sure hope so! In my particular case, the arrangement is a little unusual. I'm with a HMO, Kaiser Permanente Northern California. My therapist is a gender therapist with Kaiser's transgender care unit, Multi-Specialty Transitions, out of Oakland, California. She calls MST, and a coordinator there will set up an evaluation, probably with a dermatologist. The usual path is that they'll call me first, make sure I'm in the program and have been on HRT for 6 months, part of the insurance side's criteria for electrolysis. Then they will either schedule a video appointment or ask me to photograph my hairy mug (on Electrolysis Day, harshly lit for max impact...) and send in the image files. The dermatologist evaluates them, and does the go/no go determination.
I'm doing electrolysis either way. If medically approved, electrolysis becomes a valid medical expense for IRS purposes and I pay for it with my medical budget, from my Health Savings Account (pre-tax money) or with post-tax money to be deducted as a medical expense. Eventually next year I reach the Max Out Of Pocket amount for my high deductible medical plan, and Kaiser pays my electrologist.