I'm so glad that insurance covers this now. I had to pay out of pocket making 8$/hour and it took me the better part of a decade aggressively saving every paycheck to get over 10k for surgery. It's so necessary. I couldn't even marry my boyfriend until post op because there was marriage discrimination too at the time
You should pay for it by yourself. There are also people that are mentally affected by their height issue and can do a surgery for "gaining centimeters" but they have to pay by themselves. Why should other people taxes (because it s taxpayers who have to pay it and it contributes to increase the price of health insurance) Many treatments for diseases aren’t covered or fully covered by heath insurance.
@@cuorenerazzurro1661 Height issues don't cause gender dysphoria. How many people are driven to suicide by height issues? When I transitioned about half of us had attempted suicide at the start of puberty. Going thru the wrong puberty is a hell of a lot worse than wishing you were taller. Treatment for trans people is life-saving. It's not optional.
@ Many people get bullied because of their height and it shows impact even for "high position" jobs. I m not claiming it to be covered by insurance and so by tax payers, but the same should apply for sex transition. There isn’t such thing as going through "wrong puberty". A male is a male by chromosomes XY and a female is a female by chromosome XX. We can t deny and go against this, some things are immutable despite how a society wants to become or not "progressist". Many people also suffer from complex regarding their appearance and do surgery but that isn’t covered by insurance either which is normal. It is not considered a disease and so not the tax payers to finance it. Here is Switzerland, it contributed to the increase of price of healthcare since it s covered, in most of Western countries where it s covered, every year the number of operations has increased. Associations may help you, not the tax payers.
@@cuorenerazzurro1661 Look, you don't get it. This isn't an argument, you're just uninformed. It's not society's job to google shit for you anymore than it is my job to wipe your ass for you.
Thank you so much for doing what you do. I came out as trans a few years ago, and am just now getting to the point where I am starting to think about surgical options. The work you are doing is paving the way for me to live a better life.
This was incredibly helpful! I was able to find out that my insurance is self-funded. So that's a start. Also, there's a whole big section about ERISA. Also, fun fact, it was one of the ones you showed in the examples. So maybe you already know what I need to know...
Please consider supporting The Lavender Clinic, the only independent, non-profit, trans/gender diverse and lgbqia+-focused healthcare center in Hawaii. For donations made after 8am EST (3AM HST) on Tuesday, December 1, 2020 Facebook will match donations, so please consider giving on Tuesday when your dollars will have a bigger impact. The Lavender Clinic has done everything we can to survive and thrive and even offer more services like free confidential HIV testing and Gender Diversity training for organizations large and small. We don't ask for donations often as we try to find other ways to make ends meet, but this is a tougher time for us than many people realize. We hope we are doing enough good to justify our existence, but it's hard to know. We take home with us every mistake we make because everything we do affects real people. We don't like asking for donations because we strive to be accessible to everybody, and we know much of our community would give if they could; however, it would be irresponsible of us not to at least try to take advantage of matched donations, and the truth is we need it more than you know. $10 - average cost of 1 dose of hormones (materials only) $15 - average cost of 1 dose of vitamin B12 (materials only) $20 - 1 week of protective gowns for 1 provider $30 - average cost of disposing of 1 container of used sharps $50 - 1 day of medical supplies (excluding COVID PPE) $75 - 1 pelvic exam or therapy visit for a patient who couldn't pay $100 - 2 support groups for vulnerable populations $400 - 1 day's worth of hormones and supplies facebook.com/donate/388341479074715/
I can’t tell if blue shield covers hormone blockers or not, if they don’t I can’t do anything, I want to put everything on pause so that I can think more about how I want to further transition
they really hide that shit in layers upon layers of weird dense legalese. i do remember looking into hormones a good while back and finding that at least one of their plans should cover blockers and hrt. don't know if that holds true or if that was me reading wrong but it can never hurt to try
What to do when my Medicare is willing to pay Keystone to cover my surgery but the surgeon doesnt have a Medicare#, and so therefore the surgeon wont/willnot do my surgery?
Because of low reimbursement rates, most of the surgeons who accept Medicare are part of academic medical centers (as opposed to solo practitioners). So finding another surgeon is one option.
does this information only apply to work insurance, or is it also valid to welfare/Medicare/ Medicaid? cause I have welfare insurance, Humana at the moment, and I also have PA Access and Medicare, which together makes Medicaid. Should I request a booklet from all of these?
It applies to all plans. Getting your plan booklet will allow you to know your internal appeal rights under the managed care plan. Medicare and Medicaid managed care plans are subject to additional government rules about what must be covered, and there are additional appeal protections that apply beyond private insurance plans. Trans care is covered under Medicare and Pennsylvania Medicaid, so you would proceed to applying for preauthorization, as described in video 2.
So I am a student at Texas State San Marcos and I enquired to my student healthcare plan through United healthcare and they said any surgeries aren't excluded but my school denied any help with that. What I can do?
I'm going to see Foster and crane on the 28th. For my top and bottom surgery and I have to Cross Blue Shield I'm so worried about out-of-pocket expenses...
Yes, if they are not in-network for you plan, ask about getting a single-case agreement for them to be considered in-network. Your plan's "summary of benefits and coverage" will tell you what your out-of-pocket max is for in-network care.
I'm so glad that insurance covers this now. I had to pay out of pocket making 8$/hour and it took me the better part of a decade aggressively saving every paycheck to get over 10k for surgery. It's so necessary. I couldn't even marry my boyfriend until post op because there was marriage discrimination too at the time
You should pay for it by yourself. There are also people that are mentally affected by their height issue and can do a surgery for "gaining centimeters" but they have to pay by themselves.
Why should other people taxes (because it s taxpayers who have to pay it and it contributes to increase the price of health insurance)
Many treatments for diseases aren’t covered or fully covered by heath insurance.
@@cuorenerazzurro1661 Height issues don't cause gender dysphoria. How many people are driven to suicide by height issues? When I transitioned about half of us had attempted suicide at the start of puberty. Going thru the wrong puberty is a hell of a lot worse than wishing you were taller. Treatment for trans people is life-saving. It's not optional.
@ Many people get bullied because of their height and it shows impact even for "high position" jobs.
I m not claiming it to be covered by insurance and so by tax payers, but the same should apply for sex transition.
There isn’t such thing as going through "wrong puberty". A male is a male by chromosomes XY and a female is a female by chromosome XX. We can t deny and go against this, some things are immutable despite how a society wants to become or not "progressist".
Many people also suffer from complex regarding their appearance and do surgery but that isn’t covered by insurance either which is normal.
It is not considered a disease and so not the tax payers to finance it.
Here is Switzerland, it contributed to the increase of price of healthcare since it s covered, in most of Western countries where it s covered, every year the number of operations has increased.
Associations may help you, not the tax payers.
@@cuorenerazzurro1661 Look, you don't get it. This isn't an argument, you're just uninformed.
It's not society's job to google shit for you anymore than it is my job to wipe your ass for you.
Thank you so much for doing what you do. I came out as trans a few years ago, and am just now getting to the point where I am starting to think about surgical options. The work you are doing is paving the way for me to live a better life.
"No one is smiling when they read their plan booklet" So true......
Wow 😮 I wish I had found this information 5 years ago would have changed so much thanks for helping and sharing with the community
Great!
This is amazing info thanks so much for your shared perspective
Does County Care covers?
I'm in Chicago
5:14 😂
Super helpful. Every trans person should watch this series. Thank you so much for making this series available!
Very helpful😂
This was incredibly helpful! I was able to find out that my insurance is self-funded. So that's a start. Also, there's a whole big section about ERISA. Also, fun fact, it was one of the ones you showed in the examples. So maybe you already know what I need to know...
You brought levity to my day after finding out my son's surgery was denied. I have hope and am watching all your videos.
Please consider supporting The Lavender Clinic, the only independent, non-profit, trans/gender diverse and lgbqia+-focused healthcare center in Hawaii. For donations made after 8am EST (3AM HST) on Tuesday, December 1, 2020 Facebook will match donations, so please consider giving on Tuesday when your dollars will have a bigger impact. The Lavender Clinic has done everything we can to survive and thrive and even offer more services like free confidential HIV testing and Gender Diversity training for organizations large and small.
We don't ask for donations often as we try to find other ways to make ends meet, but this is a tougher time for us than many people realize. We hope we are doing enough good to justify our existence, but it's hard to know. We take home with us every mistake we make because everything we do affects real people.
We don't like asking for donations because we strive to be accessible to everybody, and we know much of our community would give if they could; however, it would be irresponsible of us not to at least try to take advantage of matched donations, and the truth is we need it more than you know.
$10 - average cost of 1 dose of hormones (materials only)
$15 - average cost of 1 dose of vitamin B12 (materials only)
$20 - 1 week of protective gowns for 1 provider
$30 - average cost of disposing of 1 container of used sharps
$50 - 1 day of medical supplies (excluding COVID PPE)
$75 - 1 pelvic exam or therapy visit for a patient who couldn't pay
$100 - 2 support groups for vulnerable populations
$400 - 1 day's worth of hormones and supplies
facebook.com/donate/388341479074715/
So I guess if I have insurance through my parents and they're clueless, I'm just shit out of luck huh?
Thank you this was helpful.
Could we ask for exclusion if we have a private company?
I can’t tell if blue shield covers hormone blockers or not, if they don’t I can’t do anything, I want to put everything on pause so that I can think more about how I want to further transition
they really hide that shit in layers upon layers of weird dense legalese. i do remember looking into hormones a good while back and finding that at least one of their plans should cover blockers and hrt. don't know if that holds true or if that was me reading wrong but it can never hurt to try
Thank you for the info!!
Is it just me or does he have a striking resemblance and characteristics of Tobey from the Office?
What to do when my Medicare is willing to pay Keystone to cover my surgery but the surgeon doesnt have a Medicare#, and so therefore the surgeon wont/willnot do my surgery?
Because of low reimbursement rates, most of the surgeons who accept Medicare are part of academic medical centers (as opposed to solo practitioners). So finding another surgeon is one option.
Are there any resources you may know of detailing which states have gender discrimination-related insurance laws?
does this information only apply to work insurance, or is it also valid to welfare/Medicare/ Medicaid? cause I have welfare insurance, Humana at the moment, and I also have PA Access and Medicare, which together makes Medicaid. Should I request a booklet from all of these?
It applies to all plans. Getting your plan booklet will allow you to know your internal appeal rights under the managed care plan. Medicare and Medicaid managed care plans are subject to additional government rules about what must be covered, and there are additional appeal protections that apply beyond private insurance plans.
Trans care is covered under Medicare and Pennsylvania Medicaid, so you would proceed to applying for preauthorization, as described in video 2.
Obligatory algorithm comment
So I am a student at Texas State San Marcos and I enquired to my student healthcare plan through United healthcare and they said any surgeries aren't excluded but my school denied any help with that. What I can do?
You should definitely talk with an attorney to find out what your rights are. You can email us here: transcendlegal.org/contact-transcend-legal
Thank you so much for making these!
Thanks! I've found a doctor for top surgery and I'm working on checking out the financial stuff. This stuff can be really confusing!
Appreciate all the effort and time you gave to this video for many already to help! Thank you so much!!!!
This video was so so so helpful - answered questions and clearly gave me the next stepts to take!!
I'm going to see Foster and crane on the 28th.
For my top and bottom surgery and I have to Cross Blue Shield I'm so worried about out-of-pocket expenses...
Yes, if they are not in-network for you plan, ask about getting a single-case agreement for them to be considered in-network. Your plan's "summary of benefits and coverage" will tell you what your out-of-pocket max is for in-network care.
Excellent information! Thank You for producing these videos.
I have health choice access And maybe care part b Do you know if it covers the surgery I live in a state of Arizona
Thank You so much!
lots of helpful info in here... thanks a million!
This is really educational
Let’s like it and share it. Let’s make a difference in the live of other trans friends or newer generations
Great information!
Thank you
It shouldn’t
thank you so much
very helpful ty
Thank you so much for making these.