health insurence

[Niya W]

SO i get a decent job and decided to get health insurgence. I picked blue cross of CA..

big mistake I got their hand book today and it has under their exclusion list

Transgender or gender dysphoria condition

[CheriTV2006]

Unless you have this documented with doctors, making it traceable, I'd keep it under covers and take the money and run ... as hard as it is to get any health insurance these days! Cheri.

[Dixie]

DITTO!!!!!

[AllieSF]

I just signed up for Blue Cross too since Blue Shield concelled our group policy. As I was reading the fine print I saw the same thing. Actually, I think that it may be more common than we think. It doesn't matter to me since that is not on my list of health care costs. Unfortunately, group insurance is normally the cheapest that there is and they normally accept pre-existing conditions, which is a must for me.

[Niya W]

well i'm paying out of pocket since the health insurence i get form my job is only good if i'm walking down the street and get hit by a truck, and then i have $5000 deductible.

[Kate Simmons]

Yes, I remember some years ago kind of chuckling to myself reading this in the policy when my Son went to work for Wal Mart. A lot of plans specifically do not include any coverage for "sexual transformations". Mostly because they consider any such changes of a "cosmetic " nature. I guess there is a long way to go to convince them otherwise because in some instances, the very life of the person may be at stake.:happy:

[jennig]

hi Iam in the insurance game and all or most have that in thier planes. a few group planes that sre self funded shuch as local goverment might not have that exclusion in the planes
huggs jennig:2c:

[kittypw GG]

I have never heard of an insurance company covering gender dysphoria or gender identity disorder. Make sure they call it depression because often they go hand in hand. It makes a big difference in your out of pocket costs. Most professionals understand the insurance thing and will code your visit with something coverable but you need to flat out tell them. We went round and round trying to get the diagnosis changed and it took a letter from the psychologist to argue that one diagnosis is not more important than another so put depression othe top of the list and pay based on that diagnosis. Sheesh they finally did pay but it took almost a year. It is hard to go back and change so just take a little extra effort to make sure the diagnosis code is right when it is submitted to the insurance company.
Kitty

[Stephenie S]

Yes, Kitty is right. Always be upfront with your healthcare professional. Tell them that your policy does NOT cover TG or CD related charges so that they can bill in a way that will not be rejected.

Some ploicies DO cover TG related expenses, but they are few and far between. It's getting better, but very slowly.

Steph

[Niya W]

Well i just found out kaiser better than most. I need to get a state job, as i found out in california, the state health plan will cover every thing but SRS.

[RobertaFermina]

Or get a City Job in San Francisco...they'll cover SRS too!

:rose: Roberta :rose:

[CaptLex]

I have Blue Cross also, Niya and I recently found out the hard way that it's best not to mention TG issues to my doctors because they may put it in my files and the insurance company can request those files (and deny coverage). This also means when they ask me what medications I'm on, I don't mention testosterone. It's sad that we have to play these "don't ask, don't tell" games, but they leave us no choice.

[Sharon]

I'm self-employed and, thus, self-insured also. None of the policies I read before choosing an insurance plan covered srs, but the one I finally chose covers doctor visits and prescription drugs(with minimum co-pay). That alone makes the $$$$$ well worth it for me.

[Karren H]

BC/BS is a great insurance especially if you have it as an HMO.... $15 doctor visits.. $5 for drugs... $25 ER room visits... All that exclusion means is that they won't pay for a shrink or any bodily modifications you would like... And why should they.. Its not an illness.. And if its a preexisting condition most insurances won't cover it anyway... If you declair it in your peremployment physical with intention of having then pay for SRS doubt you'd be hired... .

They cover you being sick and all.. just don't get sick and blame it on gender dysfunction!! A sex change is on your dime...

My home owners insurance has a clause that it will not cover any damage if hit by a space craft!!
Guess if your flying enfemme in a space craft and hit my house I lose my house and you will not be covered?? Lol

Karren