I was elated last month to find out that my health insurance now covers HRT and SRS. I went to my primary doctor and he agreed to refer me to the endocrinologist at the same facility that is in my network. I couldn't wait to have my initial consultation.
After a few weeks with no call I decided to check on things myself. I called the office for the endocrinologist. The nurse put me on hold and then came back. She said she was sorry but I had been denied coverage. I explained that I had a letter from my insurance authorizing coverage for HRT. She said no the doctor was turning me down because she had no experience " treating transgender issues.,
Ok I almost cried but I pressed on. I called my insurance company and they said ok we will refer you to UC Davis. Ok great that will work! A week later I was told no we don't have any room for new patients. I did cry when I was told that. I pressed on and called back. They tried to refer me to Mercy in Sacaramento. Guess what? The doctor said no she didn't have experience treating transgender patients. Cried again! Now insurance company tries to refer me to UCSF in San Francisco. Apparently this may not work because the doctor there is considered primary care and I can't see their primary care doctor only a specialist. Plus it has to be approved by upper management at insurance company because way out of network. I haven't heard back and it has been another week!
I will prevail! However, it has been so difficult. Thanks for listening.
Suzanne