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Transgender Health   

Will gender confirmation surgery be covered by my Marketplace plan?

It depends on your plan. Unfortunately, plans in many states still include discriminatory exclusions to deny coverage to transgender people for medically necessary health care. These exclusions often mean that insurers will deny coverage for gender confirmation surgery. These exclusions were prohibited in most types of health insurance beginning in 2017, but be aware that these exclusions do still persist in many plans.

To help you understand your options, we’ve created state-specific Transgender Health Insurance Guides and encourage you to make an appointment with an LGBT-friendly expert who can help you enroll for free.

If your coverage is denied, learn how to appeal a decision with your insurer here. If you face discrimination by an insurer or health provider, contact a legal organization here.

If you want more information on what your insurance company might cover, check out these medical policies from Transcend Legal – but make sure you look at your own policy too since that’s what will really determine what services are covered.

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