Will my Insurance Cover That?
Trans Communities DESCRIPTION:
Insurance policies can be complicated! One of the most common questions trans+/non-binary people ask FORGE and the Inclusion Clinic is whether their insurance policy will cover specific types of medical and mental health care. This session will discuss how to find out what is covered under your insurance plan; how to work with your provider to properly code your visits so your care is covered; and how to advocate for yourselves and others when challenges arise. This session will include discussion about differences between Medicaid, Medicare, and private or other forms of insurance.
PRESENTERS: Joanna Woodbury & michael munson
Clicking on timestamps will redirect you to the corresponding video section on YouTube.
Introduction 0:00
Joanna’s introduction 3:55
How do I look for trans-inclusive insurance? 5:19
What is a “health care navigator?” 8:57
Who qualifies for Medicaid? 10:56
How do I find out if hormones/surgery is covered by my insurance? 11:51
How do you change your name/gender on health insurance? 15:17
Will my employer find out if I get trans-related care covered? 18:09
What can I do if my insurance won’t cover labs for HRT? 21:07
Can my insurance refuse to cover gender-affirming care because of the HHS rule? 24:57
What about religious exemptions? 27:50
Making decisions about job offers based on insurance benefits 28:47
Does the recent Bostock Supreme Court decision affect insurance coverage? 30:15
Can I get a secondary plan to cover all my needs? 30:43
Is gender dysphoria a pre-existing condition? 33:42
Can insurance deny care for specific body parts? 37:07
What is a prior authorization? 38:37
What medications require prior authorizations? 41:51
Are there gender-affirming procedures that are generally not covered? 43:57
Will insurance cover a COVID-19 vaccine when it becomes available? 48:52
What happens if my preferred name is used instead of my legal name on insurance? 49:55
Do providers need to make sure their notes match gender listed on insurance? 53:10
Closing thoughts 55:27
Recorded on September 1, 2020