December at the QueerDoc blog has been all about insurance. As we come to a close, we’d like to highlight some helpful resources for navigating insurance when trans. Here are our top tips for getting and using insurance covering gender affirming care.
First up, Finding Insurance Covering Gender Affirming Care!
Out2Enroll researches and writes state-specific summaries of silver marketplace ACA plans. Wow! We love it. Check out their gender affirming care summaries by state. If you’re looking for health insurance, you still have time to enroll in ACA (marketplace) plans – open enrollment ends Jan 15th!
Second, The Deets! And Getting Enrolled!
You’ve found a plan that covers gender affirming care. But do they really? How to get more information and get signed up:
If you’ve found an ACA plan through your state marketplace, a navigator can help, and they’re free!
Specialized Navigators – Keep it in the community!
Your local LGBTQ+ community programs may have navigators who get it.
In Seattle, Gay City has a navigation program.
Out2Enroll has a national database of trained navigators.
Finally, Getting Care Once You’re Enrolled:
TransFamily Support Services are fantastic. They can help explain insurance issues and, if you’ve been denied coverage for a procedure, are highly skilled in successful appeals.
Care Navigation at QueerDoc!
We can also help! We provide care navigator services for our existing patients on a sliding-scale basis ($25 – $75.) We’ll contact your insurance company on your behalf to get clarity on your coverage, authorization requirements, and expected costs. We can do this independently and create a report for you, or call while you’re on video with us. Check it out. See our previous blog for tips on using insurance, too.
Transparency note: we are currently raising funds to provide free gender-affirming care for individuals who cannot afford our sliding scale. We’re partnering with TransFamily Support Services to do this. When we reach $5000, we’ll turn on the application process. Donate if you can, and please spread the word!
January is All About Estrogen month! We’ll be talking about curvalicious changes to body fat distribution, softer skin, and some of the risks and benefits of taking E