Finding Insurance for Transgender-Related Healthcare
Generally, individuals in the U.S. secure health insurance coverage through one of the following channels:
- Employer-provided Group Plans
- Government Subsidized Plans like Medicare/Medicaid
- An Individual Plan purchased via State Insurance Exchanges
Many large private sector employers have taken steps to actively remove exclusions on transgender healthcare from their employer provided plans. HRC’s Corporate Equality Index surveys employers on this important benefit. You can find a list of employers who offer coverage here.
Additionally, some state and federal public employees are covered for transition-related care through their group benefit plans.
Medicare provides health insurance to millions of older and disabled Americans. Medicare provides for transgender healthcare such as routine medically necessary care, hormone replacement therapy and gender reassignment surgeries.
For more information on Medicare and transition-related care, please see the National Center for Transgender Equality’s resource: “Know Your Rights: Medicare.”
Some Medicaid programs, a type of state and federally funded program for health insurance for low-income people, provide for transition-related care. See your state Medicaid program for details.
State Health Insurance Exchanges:
The availability of transition-related care in individually purchased, commercially available plans varies from state-to-state. Some states have mandated coverage in plans available via the state’s health insurance exchange.
Maps of State Laws on Transgender Healthcare:
Visit HRC’s Maps of State Laws & Policies to find current information on the laws surrounding transgender inclusive healthcare coverage in your state.
Employers can provide transition-related care through their employer-provided plans by negotiating out exclusionary statements and negotiating in affirmative coverage. The following insurance carriers can provide plans without blanket exclusions for transgender-related healthcare either through fully-insured plans or as a 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 adding transgender-related care to your plan. NOTE: 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.
Anthem Blue Cross Blue Shield:
Blue Cross Blue Shield of Massachusetts:
Blue Cross Blue Shield of Michigan:
Blue Cross Blue Shield of North Carolina:
Blue Cross Blue Shield of North Dakota:
Blue Cross Blue Shield of Rhode Island:
Blue Cross Blue Shield of Tennessee:
Blue Cross Blue Shield of Vermont:
Blue Shield of California:
Excellus Blue Cross Blue Shield (Central New York, Rochester, Utica/Watertown):
Group Health Cooperative:
Harvard Pilgrim Health Care:
Independence Blue Cross:
Wellmark Blue Cross Blue Shield:
WellPoint - UniCare: