Virtually all major insurance companies recognize that transgender-related medical care is medically necessary and have a written policy describing their criteria for when plans they administer will cover it. Below is a list of such policies.
The fact that an insurance company is listed below does not mean that your particular plan will follow these guidelines. You must look to your individual policy to determine if transgender care is covered or excluded. Only if it is covered will the policies below apply.
Medical policies are frequently updated. Please contact us if your company's policy is not listed or is out of date.
Aetna
- Endometrial Ablation
- Gender Affirming Surgery
- Gonadotropin-Releasing Hormone Analogs and Antagonists
- Gonadotropin-Releasing Hormone Analogs and Antagonists (Medicare)
- Implantable Hormone Pellets
- Implantable Hormone Pellets
- Melodic Intonation Therapy
- Testosterone Cypionate Injection (Depo-Testosterone)
- Testosterone Enanthate Injection
- Testosterone Undecanoate Injection (Aveed)
- Voice Therapy
Alliant Health Services
- Alliant Gender Reassignment Surgery
Ambetter Peach State Health Plan (Centene Corporation)
- Gender Affirming Procedures
Ambetter from Buckeye Health Plan (Centene Corporation)
- Endometrial Ablation
AmeriHealth
- Androgens
- Gender Affirming Interventions
- Gonadotropin-Releasing Hormone Agonist (Eligard®, Lupron Depot®)
Amerigroup
- Endometrial Ablation
Amida Care
- Clinical Guidelines and Coverage Criteria for the Treatment of Gender Dysphoria
Anthem
- Gender Affirming Surgery
- Gonadotropin Releasing Hormone Analogs (GnRH) for the Treatment of Non-Oncologic Indications
- Subcutaneous Hormonal Implants
- Testosterone, Injectable
Anthem Blue Cross (California)
- Gender Affirming Surgery
Anthem Blue Cross Blue Shield
- Endometrial Ablation
- Gender Affirming Surgery
Aspirus Arise
- Gender Dysphoria Treatment
Asuris
- Gender Affirming Interventions for Gender Dysphoria
AvMed
- Gender Reassignment Surgery
Blue Cross Blue Shield Federal Employee Program
- GnRH Gender Dysphoria
- GnRH Gender Dysphoria
Blue Cross Blue Shield of Arkansas
- Gender Affirming Surgery
Blue Cross Blue Shield of Florida
- Gender Affirmation Surgery
Blue Cross Blue Shield of Illinois
- Gender Assignment Surgery and Gender Reassignment Surgery with Related Services
Blue Cross Blue Shield of Kansas
- Surgical Treatment for Gender Dysphoria
Blue Cross Blue Shield of Kansas City
- Gender Affirmation Services
Blue Cross Blue Shield of Massachusetts
- Gender Affirming Services
Blue Cross Blue Shield of Michigan
- Gender Affirming Services
Blue Cross Blue Shield of Minnesota
- Gender Affirming Procedures for Gender Dysphoria
Blue Cross Blue Shield of Montana
- Gender Assignment Surgery and Gender Reassignment Surgery with Related Services
Blue Cross Blue Shield of New Mexico
- Gender Assignment Surgery and Gender Reassignment Surgery with Related Services
Blue Cross Blue Shield of North Carolina
- Gender Confirmation Surgery
Blue Cross Blue Shield of North Dakota
- Gender Affirmation Treatment
Blue Cross Blue Shield of Oklahoma
- Gender Assignment Surgery and Gender Reassignment Surgery with Related Services
Blue Cross Blue Shield of Rhode Island
- Gender Affirming Care
Blue Cross Blue Shield of Tennessee
- Gender Reassignment Surgery
Blue Cross Blue Shield of Texas
- Gender Assignment Surgery and Gender Reassignment Surgery with Related Services
Blue Cross Blue Shield of Vermont
- Gender Affirming Services (Trans Services)
Blue Cross and Blue Shield of Alabama
- Transgender Services Benefits
Blue Cross and Blue Shield of Florida
- Gonadotropin Releasing Hormone Analogs and Antagonists
Blue Cross and Blue Shield of Nebraska
- Androgens
- Gender Reassignment Surgery
Blue Cross of Idaho
- Gender Affirming Services
BlueChoice Healthplan of South Carolina
- Gender Affirmation Surgery and Hormone Therapy
BlueCross BlueShield of South Carolina
- Gender Affirmation Surgery and Hormone Therapy
BlueCross BlueShield of Western New York
- Gender Affirming Surgery
Boston Medical Center HealthNet Plan / Well Sense
- Gender Affirmation Surgeries
- GnRH Agents
BridgeSpan Health
- Gender Affirming Interventions for Gender Dysphoria
California
- Gender Reassignment Surgery
Capital BlueCross
- GENDER AFFIRMING SURGERY
CareFirst BlueCross BlueShield
- Gender Affirmation Services /Gender Dysphoria
CareSource
- Gender Affirming Surgery
- Gender Dysphoria (Georgia Medicaid)
- Gender Dysphoria (Indiana Medicaid)
- Gender Dysphoria (Ohio Marketplace)
- Gender Dysphoria (Ohio Medicaid)
Cigna
- Gender Dysphoria Treatment
ConnectiCare
- Gender Affirming/Reassignment Surgery (Commerical/Medicare)
- Gender Reassignment Surgery (Medicare)
Elevance Health
- Gender Affirming Surgery
EmblemHealth - Connecticut
- Gender Affirming Surgery
Empire Blue Cross Blue Shield
- Endometrial Ablation
Empire Blue Cross Blue Shield (Anthem)
- Gender Affirming Surgery
Excellus Blue Cross Blue Shield
- Behavioral Health Treatment for Gender Dysphoria
- Gender Reassignment/Gender Affirming Surgery and Treatments
- Medical Services for Transgender Individuals
Fallon Health
- Gender Affirmation Services
GEHA
- Gender Affirmation Surgery
Gateway Health
- Gender Transition Services
Geisinger Health Plan
- Gender Dysphoria and Gender Confirmation Treatment
Harvard Pilgrim Health Care
- Gender Affirming Services
Harvard Pilgrim Health Care (Stride HMO Medicare Advantage)
- Transgender Health Services
Hawaii Medical Service Association
- Gender Identity Services
Health Net
- Gender Affirming Procedures
HealthPartners
- Surgical treatment of gender dysphoria
Healthy Blue (Louisiana Medicaid)
- Endometrial Ablation
- Gender Reassignment Surgery
Highmark (Pennsylvania)
- Gender Affirmation Surgery
Highmark (Pennsylvania)
- Testosterone Androgens
Highmark Blue Cross Blue Shield of Delaware
- Gender Affirmation Surgery
- Gonadotropin Releasing Hormones (GnRHs) Analogs
- Testosterone Androgens
Highmark Blue Cross Blue Shield of NY
- Gonadotropin Releasing Hormones (GnRHs) Analogs
Highmark Blue Cross Blue Shield of West Virginia
- Gender Affirmation Surgery
- Gonadotropin Releasing Hormones (GnRHs) Analogs
- Testosterone Androgens
Horizon Blue Cross Blue Shield of New Jersey
- Drug Therapy for Transgender Policy
- Gender Reassignment/Gender Affirming Surgery
Humana
- Gender Affirmation Surgery
Husky Health Connecticut (Medicaid)
- Gender Reassignment Services
Independence Blue Cross
- Treatment of Gender Dysphoria
- Treatment of Gender Dysphoria (Medicare Advantage)
Inland Empire Health Plan (IEHP) (Medi-Cal)
- Gender Dysphoria
Johns Hopkins Healthcare
Kaiser Foundation Health Plan of Washington
- Gender Affirming Surgeries
Kaiser Permanente
- Gender-Affirming Voice Modification Surgery
Kaiser Permanente Northwest Region
- Gender-Affirming Facial Procedures
- Gender-Affirming Procedures
- Physical/Occupational/Speech Therapy
LifeWise
- Gender Transition/Affirmation Surgery and Related Services
Louisiana Healthcare Connections (Centene Corporation - Medicaid)
- Gender-Affirming Procedures
MCG Health
- Gender Affirming Surgery
Mass General Brigham Health Plan
- Assisted Reproductive Services/Infertility Services
- Gender Affirming Procedures
Mass Health
- Gender-Affirming Surgery
Medica
- Gender Affirmation Procedures
Medical Mutual
- Gender Affirming Surgery
- Gonadotropin-Releasing Hormone Agonists – Injectable Long-Acting Products
- Testosterone Injection and Pellet
Medicare
- National Coverage Determination (NCD) for Gender Dysphoria and Gender Reassignment Surgery
Minnesota Health Care Programs
- Gender-Confirming Surgery
Moda Health Plan
- Gender Confirming Surgery
Molina Healthcare
- Gender Affirmation Treatment and Procedures
Neighborhood Health Plan of Rhode Island
- Gender Dysphoria Treatment
Network Health
- Transgender and Gender Dysphoria/Gender Incongruence Services
New York
- Gender Reassignment Surgery
Northeastern New York
- Gonadotropin-Releasing Hormone Agonists
Optimum HealthCare
- Testosterone
Oregon Health Authority (Oregon Health Plan)
- Prioritized List of Health Services - Gender Dysphoria/Transsexualism
Oscar
- Sex Reassignment Surgery (Gender Affirmation Surgery) and Non-Surgical Services
Palmetto
- Gender Reassignment Services for Gender Dysphoria
Paramount
- Gender Reassignment Surgery
Premera Blue Cross
- Gender Transition/Affirmation Surgery and Related Services
Presbyterian
- Gender Affirming Treatment and Surgery
Priority Health
- Gender Affirming Surgery
Providence Health Plans and Providence Health Assurance
- Gender Affirming Surgical Interventions
Regence
- Gender Affirming Interventions for Gender Dysphoria
- Gender Affirming Interventions for Gender Dysphoria (Medicare Advantage)
Select Health
- Gender Affirming Medical and Surgical Treatment
Tufts Health Plan
- Gender Affirming Services
UPMC Health Plan
- Gender Affirmation Surgery
UniCare (Anthem)
- Gender Affirming Surgery
Uniform Medical Plan Uniform Medical Plan (Washington State Health Care Authority)
- Gender Affirming Interventions for Gender Dysphoria
UnitedHealthcare
- Gender Dysphoria and Gender Reassignment Surgery (NCD 140.9) (Medicare Advantage)
- Gender Dysphoria Treatment (Commercial Plans)
- Gender Dysphoria Treatment (Community Plan)
- Gonadotropin Releasing Hormone Analogs
- Testosterone Replacement or Supplementation Therapy (Commercial)
- Testosterone Replacement or Supplementation Therapy (Community Plan)
UnitedHealthcare Oxford
- Maximum Dosage and Frequency [testosterone]
UnitedHealthcare West
- Gender Dysphoria (Gender Identity Disorder) Treatment (Oregon)
- Gender Dysphoria Treatment Excluding California and Washington (Oklahoma, Oregon, Texas)
UnitedHealthcare of California
- Gender Dysphoria (Gender Identity Disorder) Treatment (California)
UnitedHealthcare of Washington
- Gender Dysphoria (Gender Identity Disorder) Treatment (Washington)
Univera Healthcare
- Gender Affirming Surgery and Treatments
University Health Alliance
- Gender Identity Services
Visiant (Medicare Advantage Medical Policy for Premera Blue Cross)
- Gender Reassignment Surgery
WEA Trust
- Transgender Affirmation Surgery
WPS Health Insurance | Arise Health Plan
- Gender Dysphoria Treatment
WellCare
- Gender-Affirming Procedures
WellPoint - UniCare
- Gender Reassignment Surgery
Wellmark Blue Cross Blue Shield
- Testosterone – Topical/Buccal/Nasal/Oral