Dr. Mosser is always actively working with insurance companies to negotiate contracts. Some have been more receptive than others. At present, we have gotten successful insurance approval for FTM/N top surgery from the following insurers:
- Anthem BC (Anthem Blue Cross)
- Blue Shield
- Blue Cross
- Aetna (Student Services for University of California System)
- United Health Care
- Brown & Toland HMO
- Health Net
- Health Plan of San Joaquin
- Hill Physicians IPA
- Mercy Medical Group
- Meritage IPA (“WHA Medical Groups”)
- Northbay Medical Group
- Western Health Advantage (“WHA”)
- UC Davis Medical Group
- Partnership Health Plan
- San Francisco Health Plan
- Alameda Alliance
- Contra Costa Health Plan
- Central California Alliance for Health
Unfortunately, we do not accept Medicare at this time. If you do not see your insurer on this list, please contact us. Our insurance negotiation team is amazing and we would love to add more insurance plans to this list. Often, with the efforts of both patient and physician, we can get an individual covered. Sometimes, we can even pave the way to get a contract between your insurance company and our office so that future patients who have the same insurance can benefit as well. With PPO insurance plans that cover transgender surgery, we are usually able to get a portion (if not all) of the surgery covered.
Sometimes, we can work with the HR department of larger companies (especially the ones with more progressive attitudes) to help make your surgery possible. This is the common pathway we use to work our way through the system. And if you’re not sure – just call us. We will do our best to negotiate an individual contract with your insurance company to try to get your surgery covered.
It is slightly more challenging to get coverage for MTF/N breast augmentation procedures, but it is certainly still achievable. For some reason, FTM/N chest reconstruction has had a better reception within some insurance programs for approval. Regardless, we work extremely hard to help our patients navigate the insurance system.