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For decades, gender affirming surgeries of any type were considered purely cosmetic surgery and not covered by health insurance. Additionally, many declined to cover any kind of gender affirming surgery due to systematic discrimination against transgender, non-binary, and gender nonconforming individuals. Finally, insurance coverage for gender affirming procedures such as facial feminization surgery (FFS) is expanding, though not guaranteed or widespread. Allure Esthetic will help you when it comes to figuring out insurance for FFS.

Overview: Does Insurance Pay For Facial Feminization?

Some insurance companies do cover facial feminization. Out of the common gender affirming procedures performed in the United States, facial feminization is less likely to be covered than others. Many insurance companies have stipulations that they will only cover procedures for gender identifying characteristics. Some insurance companies exclude facial feminization for this reason.

Additionally, they may cover individual facial procedures such as a rhinoplasty or lip lift when it comes to gender affirmation surgery. However, the same company or plan may not cover other procedures sometimes included in FFS. Every state and individual insurance company differs. Therefore, this makes navigating insurance for FFS extremely complicated and time consuming.

Finding Insurance That Covers FFS

If you have health insurance through your workplace, peruse all of the available plans to see if one offers coverage for gender affirming procedures and specifically facial feminization. In Washington, many of the larger carriers will have some coverage for gender related surgeries. Though, the exact coverage will still vary.

If your workplace does not offer insurance that covers FFS or you do not have health insurance, Washington’s insurance marketplace is a great resource. It can help find an insurance plan that fits your budget and covers your needs. Outside of Washington, this may not be available.

Getting FFS Covered By Health Insurance

Even if your insurance does cover FFS, it often requires jumping over many hurdles to get it fully covered. Allure Esthetic can act as a liaison to simplify communication between you and your insurance company.

Things You May Need

Insurance companies sometimes require:

  • Letter of support from a mental health professional
  • Diagnosis of gender dysphoria from mental health professional
  • Confirmation that you meet WPATH guidelines
  • Medical clearances
  • Letter of agreement between Allure Esthetic and your insurance
  • Documentation of hormone therapy or other transgender care
  • Have identified in present gender for at least a year
  • Proof that other mental and medical conditions are well treated

The exact requirements of your insurance will vary based on your company, plan, and state. You can often find this information online or by calling your insurance company.

Frequently Asked Questions

What If My Insurance Does Not Cover FFS Or You Do Not Take My Insurance?

Outside of insurance coverage, there are financing options. Allure Esthetic does work with financing companies such as Care Credit. This can help you undergo surgery without needing to pay the full amount out of pocket and upfront. Patients do and always can pay out of pocket if they are able.

Are There Parts Of FFS Insurance Will Not Cover?

Yes, health insurance companies can decide what particular procedures to cover and which they do not. This is up to each company and can even vary by plan. Most companies will list out the procedures that can be covered with FFS.

If you find yourself in a position where insurance will not cover all of the procedures you want, you can finance the rest, pay out of pocket, or alter the surgical procedure so that it is all covered. Our insurance coordinators will help you navigate this to get the fullest coverage possible.

Is There Anyone To Help Me Get My FFS Covered?

Allure Esthetic employs dedicated insurance coordinators. They will work with both you and your insurance company to get your procedure covered. They also have insight into the industry which makes them extremely talented and literate when it comes to insurance for FFS.

Do You Take Out Of State Insurance?

There are cases when out of state insurance can be billed. However, this is largely on a case-by-case basis. If you are a facial feminization patient from outside Washington and want to know if your insurance may cover FFS at Allure Esthetic, contact our insurance coordinators by giving us a call or otherwise contacting us online.

How Much Is Facial Feminization Out Of Pocket?

Facial feminization is a procedure that is difficult to quantify because it can include thousands of different combinations of facial procedures. The best way to find out the cost of facial feminization is to schedule a consultation with Dr. Sajan. At this appointment, he will make a surgical treatment plan with you. Once he gets a unique understanding of your needs, you will receive a customized price quote.

Allure Esthetic & Insurance Coverage For FFS

Allure Esthetic is Washington State’s top destination for facial feminization surgery. They accept most major insurances and work to help you get your surgery fully covered whenever possible. Health insurance is unnecessarily difficult when it comes to gender affirming surgery. Allure Esthetic works to make the process easier and less stressful.

Dr. Javad Sajan is a leading plastic surgeon who performs facial feminization and gender affirming surgeries. He is one of the top in the field and has performed hundreds of facial and body gender surgeries. To learn more and schedule a consultation, call us at 206-209-0988. You can also reach out online using chat or online form.

Allure Esthetic Plastic Surgery

(206) 209-0988

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