27 Trans Procedures Not Covered by Health Insurance

Researching FTM and MTF Health Insurance coverage can be daunting, frustrating, and disappointing at times. The Money.LGBT team is taking on the task of making all of this easier. If you have insurance, understanding what your policy does and does not cover is the first step. 

One of the main points to understand is that Health Insurance providers only cover services that are deemed to be medically necessary by the medical community. However, some of the desired procedures of the trans community are typically deemed “cosmetic” and not “medically necessary”, therefore, these cannot be paid for through health insurance.

Below, we have compiled a list of the 27 procedures (based on Health Insurance Provider statistics) requested by members of the trans community that are considered cosmetic procedures and are not typically covered by health insurance in the United States.

FTM (Female-to-Male) Procedures not covered by insurance:

First, the below list of procedures is provided by health insurance providers as a reference guide for procedures not covered under their policy. However, in the trans community as a whole, these procedures are not common and are rarely (if ever) necessary. It’s important to know that everyone’s transition is their own journey and there is no one-size-fits-all set of procedures or steps to improve your life. 

  • Body contouring (Fat transfer or removal)
  • Calf implants
  • Lip reduction
  • Liposuction
  • Pectoral implants for chest masculinization
  • Rhinoplasty (nose job)
  • Skin resurfacing (e.g., dermabrasion, chemical peels, laser)
  • Voice lessons and voice therapy
  • Voice modification surgery

MTF (Male-to-Female) Procedures not covered by insurance:

First, the below list of procedures is provided by health insurance providers as a reference guide for procedures not covered under their policy. However, in the trans community as a whole, these procedures are not common and are rarely (if ever) necessary. It’s important to know that everyone’s transition is their own journey and there is no one-size-fits-all set of procedures or steps to improve your life. 

  • Abdominoplasty (Tummy Tuck)
  • Blepharoplasty (Eyelid Surgery)
  • Body contouring (Fat transfer or removal)
  • Breast enlargement and Breast implants
  • Brow Lift
  • Cheek, chin and nose implants
  • Face/forehead lift and/or neck tightening
  • Facial bone remodeling for facial feminization
  • Hair removal (e.g., electrolysis or laser)
  • Hair transplantation
  • Injection of fillers or neurotoxins
  • Lip augmentation
  • Mastopexy (raising of sagging breasts)
  • Removal or reduction of the Adam’s Apple
  • Rhinoplasty (nose job)
  • Skin resurfacing (e.g., dermabrasion, chemical peels, laser)
  • Voice lessons and voice therapy

Voice modification surgery

What does your health insurance plan cover?

Below are specific policy links for the top three Health Insurers in the US:

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