Paying for gender transition: Your needs, costs, and schedule

This one’s short, but important. Last thing in this section.

Before you move on to the next section, I need you to do some more serious specific research to prepare.

The more specific your cost research, the better you can prepare a spending plan. The first five are essential, and the other five need to be done if they apply to you.

Exercise 7: Determining your transition needs and approximate costs and times

  • A. Look at your health insurance policy.
    • Look for info on deductible, exclusions, options for out-of-network providers
  • B. Research and choose a primary therapist.
    • See my section on choosing a therapist for details
    • Find out hourly rate, and the frequency each month the therapist would like to see you
    • If your trans healthcare provider or surgeon still requires a therapist’s letter, try to find out from other clients how long they were required to go before getting letters.
  • C. Determine if you would benefit from a support group or conventions.
    • If so, determine membership and enrollment costs
  • D. Research and choose a hair removal option.
    • See my section on choosing a practitioner for details
    • Find out rate and get a consultation for an idea of how much you might need per week or month
    • Based on this, make a rough estimate of your time to completion, leaning toward the conservative
  • E. Research and choose a physician for hormones.
    • See my section on choosing a physician for details
    • Find out cost for blood work and hormones, and factor in insurance coverage.
  • F. Research and choose a lawyer and financial advisor if necessary.
    • Research rates and approximate total costs for your needs
  • G. Determine how you will deal with hair loss if necessary.
    • Research costs of drugs, surgery or wigs/hair systems
    • Hair grows about half an inch a month, so estimate how long until your hair would be at the feminine length you desire.
  • H. Research and choose a secondary therapist (if required by your surgeon of choice).
    • Find out hourly rate, and the frequency each month the therapist would like to see you.
    • Try to find out from patients how long they were required to go before getting letter
  • I. Research and choose a surgeon for bottom surgery.
    • Find out surgical fees and factor in travel and other expenses
    • Determine if there’s a waiting list, but don’t book until you have a transition timetable and spending plan in place.
  • J. Research and choose a surgeon for other plastic surgery if necessary.
    • Find out surgical fees and factor in travel and other expenses, but don’t book until you have a transition timetable and spending plan in place.

Next: Hidden costs and savings