Transgender individuals with insurance often wonder how to get their insurance companies to cover the cost of insurance. It's not overly difficult, but one does need to be tenacious. While coverage likely won't be 100% of the cost of electrolysis, it's worth the effort.
Here's here's how some of our clients have found success:
1. Ask your electrologist for a copy of a detailed invoice with the diagnosis code, procedure code, and necessary provider information. (We can, of course, provide you with the proper invoices.)
2. Not taking "no" for an answer. Find out exactly why the insurance company is denying coverage and ask for the portion of the policy they're using to deny coverage.
3. Your endocrinologist's or primary care physician's office may need to write a letter stating that the electrolysis is medically required and not cosmetic in nature.
4. When all else fails, contact your state Insurance Commissioner. You can likely file a complaint online - insurance companies take these formal complaints seriously. Here in Washington, it's against the law to discriminate based on gender identity, so keep detailed notes and names when dealing with with insurance providers.