Resources

Finding Insurance for Transgender-Related Healthcare

Updated 12/15/2014:

The following insurance carriers can provide plans without blanket exclusions for transgender-related healthcare either through fully-insured plans or as third party administrator of self-insured plans. Below is a list of direct links to the carriers’ websites where the clinical policy bulletins (i.e. their major guidelines) for transgender-related treatments are openly available. Please feel free to consult these resources as you evaluate your employer’s health plan. Employers will still need to negotiate for the specific coverage but the bulletins outline the insurance companies' clinical standards of care should an employer elect to have the coverage.

Please note that these plans are not endorsed by the HRC Foundation, but are presented to help navigate inclusive care offerings to the extent that plan documentation is publicly available.

Aetna:

Coverage for "Gender Reassignment Surgery"

Amerigroup:

Coverage for "Gender Reassignment Surgery"

Anthem Blue Cross Blue Shield:

Coverage for "Gender Reassignment Surgery"

Blue Cross Blue Shield of Massachusetts:

Coverage for "Transgender Services"

Blue Cross Blue Shield of Michigan:

Coverage for "Gender Reassignment Surgery"

Blue Cross Blue Shield of North Carolina:

Coverage for "Gender Reassignment Surgery"

Blue Cross Blue Shield of North Dakota:

Coverage for "Medical and Surgical Treatment of Gender Identity Disorder"

Blue Cross Blue Shield of Rhode Island:

Coverage for "Gender Reassignment Surgery"

Blue Cross Blue Shield of Tennessee:

Coverage for "Gender Reassignment" (see General Surgery, Gender Reassignment)

Blue Cross Blue Shield of Vermont:

Coverage for "Gender Reassignment Surgery for Gender Identity Disorder"

Blue Shield of California:

Coverage for "Gender Reassignment Surgery"

Care First:

Coverage for "Transgender Services"

Cigna:

Coverage for "Gender Reassignment Surgery"

Emblem Health:

Coverage for "Gender Reassignment Surgery"

Excellus Blue Cross Blue Shield (Central New York, Rochester, Utica/Watertown):

Coverage for "Sex Reassignment Surgery"

Group Health Cooperative:

"Transgender Services Program"

Harvard Pilgrim Health Care:

"Transgender Services for Fully-Insured Subscribers and Dependents"

Health Net:

Coverage for "Gender Reassignment Surgery"

HealthPartners:

Coverage for "Gender Reassignment Surgery"

Highmark:

Coverage for "Gender Reassignment Surgery"

Independence Blue Cross:

Coverage for "Sex Reassignment Surgery (SRS) for Gender Identity Disorder"

UnitedHealthcare:

Coverage for "Gender Identity Disorder/Gender Dysphoria Treatment"

Wellmark Blue Cross Blue Shield:

Coverage for "Gender Reassignment Surgery"

WellPoint - UniCare:

Coverage for "Gender Reassignment Surgery"


Corrections or additions to our list? Contact the HRC Workplace team at workplace@hrc.org.