· Pay out-of-pocket for the procedure
· Finance your surgery with a loan
2. Your health insurance covers FTM or MTF Top Surgery
a. Your insurance pays out the cost of the surgery directly to the Hospital where your Sex Reassignment Surgery will be performed.
There are several documents that we would need from you for authorization approval:
A letter from a healthcare provider stating that you meet WPATH guidelines for surgery see hereWPATH guidelines
Notes from your consultation with our doctors, which we will have ready 1-2 days after your consultationThere may be additional requirements based on individual circumstances.
b. You have health insurance that covers transgender surgery but it’s on claim.
In this case you will have to pay up front and then you will receive your reimbursement after your surgery is completed.
It is still beneficial to go through the authorization process as this may help significantly reduce your hospital expenses. In many cases, your insurance will pay in full or for a portion of the surgery.
hospital expenses, and usually your insurance will pay in full or fora portion of the surgery.
What are some insurance companies that cover FTM/N & MTF/N top surgeries?There are several factors that insurance companies use to determine whether a patient’s surgery can be approved.
Larger companies that has seen a decent approval rates are:
Anthem BlueCrossBlue ShieldAetnaCignaUnited Health InsuranceAnthem Blue Cross Blue Shield MedicalIf you have the above health insurance and are looking for gender confirmation surgeons try to contact your insurance provider directly to see if they have information to guide you in order to have your SRS in Thailand.
As for the reimbursement of surgery directly by the government, it takes place both in Canada and in Italy.
Regarding Canada, the physician chosen by the patient must belong to the World Professional Association for Transgender Health (WPATH) 's internationally-accepted standards of care for Gender Dysphoria.
The surgeries that can be performed abroad are all those that are not performed in the country of residence due to insufficiently advanced quality standards and surgical techniques.
Even in this circumstance, there are two possibilities:
1. The government pays the hospital directly
2. The patient advances the cost of the surgery (s).
Regarding Italy, the only surgery that the government covers is the sex change surgery both for MTF and FTM. The conditions in order to request reimbursement from the Italian government are related to the waiting time and the advanced surgical techniques used in other countries such as Thailand.
The Italian government covers the cost of the surgery only in percentage. We work in conjunction with an Italian lawyers’ team to assure a fast and successful application process. In this case, the expenses of the lawyers will be covered by the patient, or the government depending on the occupational status.