Can you help me find a plan that covers gender reassignment surgery?

Each state has different rules about how health insurance companies must cover gender-affirming surgery. Start by checking the requirements in your state.

Fortunately, some states require plans available through the state’s health insurance exchange to include this coverage. 

However, many health plans still use exclusions such as “services related to sex change” or “sex reassignment surgery” to deny transgender people coverage for certain health care services.

That’s why you should always review the complete coverage terms included in the “Evidence of Coverage,” “Certificate of Coverage,” or “Summary of Benefits.”

You can access these documents by viewing the details for each plan. They provide a complete explanation of the procedures and services covered or excluded under the plan.

On Stride, you can access each plan’s full coverage summary by clicking the unique link, which will look like this:

Note: Plans may use different language to describe these exclusions. Look for wording such as “All procedures related to being transgender are not covered.” Other terms to watch for include “gender change,” “transsexualism,” “gender identity disorder,” and “gender identity dysphoria.”