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Is this for real??? please read

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Post  RebeccaMarie Thu Sep 23, 2021 2:21 am

Am I seeing things or does ambetter the insurance I'm currently on because I'm low income cover everything... Facial feminization surgery testicle removal (don't know the name for) GRS And Top surgery everything but hair removalIs this for real??? please read Screen11

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私は女の子です
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Post  RebeccaMarie Thu Sep 23, 2021 2:22 am

Am I being tricked or is this for real

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私は女の子です
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Post  RebeccaMarie Thu Sep 23, 2021 2:25 am

Is this for real??? please read Screen12
Better view do you guys see anything or is this amazing

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私は女の子です
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Post  MichaelaSJ Fri Sep 24, 2021 10:48 pm

The graphics you posted make it difficult to understand your question.

I think the best way to find out what your coverage is, is to call them.

Thoughts for the call:


  1. Know who you are talking to. Get a name, badge number, title
  2. Write the questions AND the answers down
  3. Ask specific questions - what is my copay for a procedure.  While the insurer may cover top surgery, a $1,000 copay may make it difficult to afford the procedure
  4. Ask specific questions. Ask about a 'gonadectomy', a medical term used to describe the removal of the testes/ovaries
  5. Ask for a copy of the insurance agreement - in total. This might be impossible as most insurers don't want you confused by what is in their contract
  6. Try to find someone who has experience with this insures - likely difficult as most transfolk don't publish their details and it would be a violation of privacy to give out names

Good luck and let us know what you find out.

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"Disobedience in the eyes of any one who has read history is man's original virtue. "—Oscar Wilde.
If you don't want a man unhappy politically, don't give him two sides to a question to worry him; give him one. Better yet, give him none. Let him forget there is such a thing as war. If the Government is inefficient, top-heavy, and tax-mad, better it is all those than that people worry over it. Peace, Montag.
Fahrenheit 451
“lifelong atheist, not afraid of burning in hell,” Ron Reagan FFRF
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Post  RebeccaMarie Fri Sep 24, 2021 10:53 pm

My deductible is 250 dollars and it says this too You'll pay 25%,
we'll pay 75%
Your plan will share the cost of many covered expenses until your max out-of-pocket is met.
$900.00 Max Out Of Pocket

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私は女の子です
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Post  Celia Eriksson Fri Sep 24, 2021 10:55 pm

Hi Rebecca and now Miki!!!!

We are on at the same time Miki, that is rare. I was going to mention that I would take up such a policy in the bat of an eyelid..... but, if it sounds too good to be true...... it most likely is.

Miki appears to have covered your next steps.

Celia xx


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Is this for real??? please read Mtm  Is this for real??? please read Ancestralnewhomeandrespectednations-2Is this for real??? please read Kickitout                                                          
Take chances, make mistakes. That’s how you grow.
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Post  Celia Eriksson Fri Sep 24, 2021 10:56 pm

Well, that still appears a very good deal!

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Is this for real??? please read Mtm  Is this for real??? please read Ancestralnewhomeandrespectednations-2Is this for real??? please read Kickitout                                                          
Take chances, make mistakes. That’s how you grow.
Mary Tyler Moore (1936-2017).
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Post  RebeccaMarie Mon Sep 27, 2021 5:48 pm

Is this for real??? please read Screen13

I directly contacted my insurance company and told them the surgeries I wanted and they sent this back confirmed it's all covered with the slight concern it has to be approved

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私は女の子です
Restarted hormones-
RebeccaMarie
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Post  RebeccaMarie Mon Sep 27, 2021 5:51 pm

So it seems they do Infact cover everything I want but it has to be deemed necessary...

In which case how do I fight that..
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Post  RebeccaMarie Mon Sep 27, 2021 6:05 pm

To rectify I said FFS GRS breasts augmentation and testicle removal surgery (can't think of the name at the moment)
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Post  Lesley Niyori Mon Sep 27, 2021 10:29 pm

RebeccaMarie wrote:So it seems they do In fact cover everything I want but it has to be deemed necessary...

In which case how do I fight that.

Generally speaking, there are varying levels of crap gatekeeping, but to sum up, it usually revolves around explaining that failure to give you access to the procedures is a matter of mental health concern and that you will become progressively suicidal if denied.

It means you need to talk to a 'professional' such that they will endorse your story.
It usually requires hormones for a time period, and living full time as the gender you require to be.

Now, remember, it doesn't mean you need to give a damn what you said before the surgery after the surgery. If you are NB, lie, say you are a girl. Say you are trapped in the wrong body. Tell them you are feeling like ending it all. Even if you are not.
Keep in mind, they've likely heard it before.

Maybe it isn't a lie.

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Post  RebeccaMarie Mon Sep 27, 2021 10:36 pm

It's not a lie I've considered suicide before in fact the only reason I haven't is because I'm more scared of dying as my father was atheist and loved trying to prove the Bible wrong making it hard for me to believe in a God especially considering my condition

I don't have suicidal thoughts though and I Know I was ment to be a girl since I was 6 or so or I wore my sister's clothing at a young age before I even knew what it meant wanted to be called Chrissy in elementary school (I prefer Rebecca now) I used to image games where I became a girl preferred playing a girl in games and even had dysphoria moments pretty early causing some injuries.. and even tried birthday wishes asking God even just anything at all to just magically turn me into a girl I even asked Santa Claus as a kid lol

I have Clear memories of having cry fits basically begging God and asking why I was put through this I also have memories of sitting outside for hours trying to convince God I should be a girl and come up with reasons why it would be better for everyone the reason I sat outside is because I used to do it inside and I felt he couldn't hear me lol I got pretty desperate for a while as a kid before I figured out what this transgendered stuff was and how I could actually be who I wanted but then that caused more complications with my family who was extreme trans and gay haters
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Post  MichaelaSJ Mon Sep 27, 2021 11:30 pm

In your case choosing the 'right' medical professional may/will be necessary.

If I had my druthers, and I have, my choices for professionals would be:

  1. A knowledgeable primary care physician (PCP in the common lingo)
  2. A knowledgeable endocrinologist - it may be necessary to do a complete blood assay (you should have this anyway as a benchmark
  3. An experienced psychiatrist - obviously you are going to need a mental health professional to sign off on your Gender Dysphoria (a psychologist is not likely going to be recognized by your insurer to sign off on your GD)

I do realize your situation is different and funding may be your biggest problem. But hang in there.

I have been EXTREMELY fortunate during my life to always have excellent health insurance. Right now I have Medicare and the VA. Medicare, if I were to choose will do 'bottom' surgery but not top and no hair removal. The VA and my VA PCP were right there when I disclosed Miki to the world. The VA provides counseling and non-surgical help, but as of now, no surgeries or hair removal.

Good luck with where you are going. Remember, you have friends here to help you in your travels.

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"Disobedience in the eyes of any one who has read history is man's original virtue. "—Oscar Wilde.
If you don't want a man unhappy politically, don't give him two sides to a question to worry him; give him one. Better yet, give him none. Let him forget there is such a thing as war. If the Government is inefficient, top-heavy, and tax-mad, better it is all those than that people worry over it. Peace, Montag.
Fahrenheit 451
“lifelong atheist, not afraid of burning in hell,” Ron Reagan FFRF
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