Finally, many health care providers have no understanding of the medical effects or risks or transgender related treatments. Please note that these plans are not endorsed by the HRC Foundation, but are presented to help navigate inclusive care offerings to the extent that plan documentation is publicly available. Coverage for "Gender Reassignment Surgery" Cigna: This is especially true for male to female transgender people MTFs who do not receive prostate cancer screenings and FTMs who do not receive gynecological care. Coverage for "Gender Reassignment Surgery" Highmark: Denying health insurance coverage to transgender people, solely because they are transgender, should be illegal.
Additionally, some state and federal public employees are covered for transition-related care through their group benefit plans.
Finding Insurance for Transgender-Related Healthcare
More employers than ever are embracing health coverage for transgender employeesas well as non-discrimination protections. Almost every public and private health insurance program has exclusionary language in their contractual terms such as: The City of San Francisco recently removed the transgender exclusions from its City health plan, and is now covering SRS, hormones, and therapy for transgender people. It is very hard for transgender people to get appropriate transition related care. On top of that, local providers may already be at full capacity.
For instance, a female to male transperson broke his arm. The good news is several groups provide useful resources for the American transgender population. Please feel free to consult these resources as you evaluate adding transgender-related care to your plan. Coverage for "Gender Reassignment Surgery" Highmark: State Health Insurance Exchanges: Many transgender people are denied health insurance coverage altogether solely because they are transgender. Please note that these plans are not endorsed by the HRC Foundation, but are presented to help navigate inclusive care offerings to the extent that plan documentation is publicly available.