how do I see if my insurance covers top surgery?

[ceresvulcan]

I have insurance through my employer and I've been on t almost a year and I'd love to start figuring out his likely it is for me to get top surgery maybe this next year. how do I do that?

Comments

[sparkythegeek]

I have Blue Cross Blue Shield and my employer has a link to covered benefits on the university website. You could check for something like that, or ask your HR department for a list of covered benefits.

[climberblues]

Ask your insurance company where you can find the summary plan description. Some places call it something different, but basically you want the nitty gritty details. In there you'll want to look for any mention of gender related items, whether it's called GID, transsexualism, etc. Usually if it's mentioned at all, it would be as an exclusion (i.e. something that is not covered). If it's covered, it may not be explicitly mentioned

[mrmikeyman]

Another thing to be aware of and/or prepared for: "in-network provider" exclusions. Your insurance may cover top surgery, but require you to either choose an in-network plastic surgeon or provide a mountain of evidence that not only is the procedure medically necessary, but also one that is not performed by any of the surgeons listed as in-network.