A good place to start when looking for more information about gender confirming surgery and other medical interventions is to review the World Professional Association for Transgender Health (WPATH) Standards of Care (SOC), Version VIII. This edition is freely available for viewing online as a PDF. The WPATH SOC guidelines are an important reference for both individuals who desire gender affirming medical care, as well as anyone else interested in the topic or wanting to support trans loved ones. Many US-based health insurance companies base their coverage of gender affirming medical interventions on the WPATH SOCs, so it can be helpful to be familiar with them.
Clinical research and social science studies have advanced the understanding of trans identity, and there have been many positive changes regarding social acceptance and access to treatment. The intention of the SOC is to recommend standards of diagnosis, care, and treatment to help individuals achieve quality of life and satisfaction specific to their gender. The SOC allows for variations in treatment to suit the many varieties and degrees of Gender Dysphoria, which is the current “diagnosis” used in the medical treatment of trans patients.
At the Gender Confirmation Center we strive to make gender-affirming surgeries accessible to patients who have traditionally been marginalized within transgender healthcare: non-binary patients, patients with high BMIs, patients with disabilities and senior patients. We strive to make the highest quality gender-affirming surgical care available and affordable to patients who do not conform with the gender binary. Below are our guidelines and recommendations around surgical eligibility and HRT usage:
For chest reconstruction and breast reduction top surgery, most insurance providers do not require that patients be on HRT to cover surgery.
For breast augmentation, facial surgery, body contouring, and bottom surgery, most insurance providers require that patients be on HRT for a minimum of 12 months, continuously, to qualify for coverage. These clinical guidelines are based on the fact that hormone therapy can change the soft tissue of the face, redistribute body fat and/or develop breast tissue, which may alter the patient’s appearance and therefore the assessment of which procedures are necessary to resolve their gender dysphoria.
If a patient is able to document a medical contradiction that does not allow them to continuously take hormone therapy, this requirement will be waived, Please note that insurance approvals differ on a case-by-case basis; there are occasions where patients may not fulfill all clinical guidelines perfectly (e.g., only being on hormone therapy for 6 months) and still get pre-approval for their procedure.
We recognize that these mandates can be a form of gatekeeping medically necessary, gender-affirming care. This is why we do not hold them as candidacy requirements for our own surgical practice. If you need help navigating this insurance requirement and others, our insurance advocacy team can offer you free support after you request a free consultation with the GCC.
All virtual and in-person consultations with our board-certified surgeons are free. Once you fill out this form, our patient care team will reach out and guide you through every step to get to surgery.