Know Your Rights

Staying Safe

Will my Insurance Cover That?

September 1, 2020

Recorded on September 1, 2020

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

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? 41:51Are 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


ASL, Captions, and Trans/Queer-led.
Events will have an ASL interpreter and AI-generated closed captioning. Please reach out with any access needs. Support focused groups are trans and queer led.


PACT NOW = Preventing and Assisting with COVID-19 among Trans and Non-binary Wisconsinites. PACT NOW is a partnership between FORGE and Froedtert & the Medical College of Wisconsin, Inclusion Health Clinic.

This project is funded by the Advancing a Healthier Wisconsin Endowment at the Medical College of Wisconsin.