Queering a World Class Education

Student Health Insurance Plan (SHIP)

Since we have opened in 2004, the Q Center has understood the importance of equal access to heath insurance for all students, of all genders.  We have worked closely with supportive UW administrators of the Student Health Insurance Plan (SHIP) and with the Office of Student Life to offer gender-confirming health insurance.

Since the 2011-2012 academic year the University of Washington can boast offering one of the most transgender inclusive student health insurance plans in the country!

The Q Center understands that even with an inclusive insurance plan, accessing health care, particularly surgeries, can be an expensive and overwhelming process for trans* folks.  We want to offer our assistance with this process. The Q Center is happy to meet with any student that would like to discuss insurance and their individual situations or experiences.

In order to understand all the ins-and-outs of the Student Health Insurance Plan (SHIP) it takes a bit of research.  Here is a copy of the DRAFT of the 2012-2013 SHIP insurance booklet.

The Student Health Insurance Plan (SHIP) is designed for University of Washington students at the Seattle campus.  Graduate students with a TA/GSSA/RA appointment have a separate insurance plan: GAIP (See next section for more information)—graduate students may not be covered under both GAIP and SHIP. For more eligibility information, reference the above linked booklet on page 7.

In order to achieve more comprehensive coverage for all transgender specific surgeries and procedures, including those with the highest usability, the Q Center negotiated for more expansive coverage but with a $35,000 annual cap.  We also negotiated for the amount of coinsurance that a SHIP enrollee pays for non-network gender-confirming services will apply towards the network coinsurance maximum. With this coverage, we expect to find that our transgender students are better able to match insurance coverage with their medical and/or transition needs. Again, we encourage any student interested, to come to the Q Center and set up an appointment with us to discuss individual circumstances.

Plan Cost

  SHIP Plan 
Quarterly cost (“premium”)(other than Summer Qtr) * Includes $10 fee per quarter for a student choosing not to pay annually at Autumn Qtr.
Student Only $628
Student + spouse or domestic partner $1,546
Student + child(ren) $1,405
Student + spouse or domestic partner + child(ren) $2,323
Maximum BenefitThe highest amount the plan will pay for any individual sickness or injury $200,000 per condition aggregate maximum
Transgender Medical Treatment The plan covers these charges the same as covered medical expenses for any other sickness, up to a maximum $35,000 per plan year.

Plan Language

Transgender Medical Treatment

The plan covers charges for transgender medical treatment including but not limited to medically necessary office visits, laboratory tests, and gender reassignment surgeries. The plan covers these charges the same as covered medical expenses for any other sickness, up to a maximum $35,000 per plan year.

Transgender Surgical Services Criteria

Surgical gender reassignment services will be considered medically necessary if the criteria listed under Surgical Procedures, Breast Surgery or Genital Surgery are met.

Surgical Procedures

For all surgical procedures approved in the most current Standards of Care published by the World Professional Association for Transgender Health (WPATH), transgender benefits are available if you are at least 18 years old and diagnosed as having gender identify disorder (ICD code 302.5).

Breast Surgery

For breast surgery (mastectomy, breast reduction, chest reconstruction or augmentation mammaplasty) you must be at least 18 years old and diagnosed as having gender identify disorder (ICD code 302.5). You must also have one letter of recommendation for surgery from a mental health professional.

Genital Surgery

For genital surgery (orchiectomy, penectomy, vaginoplasty, clitoroplasty, labiaplasty, hysterectomy, salpingo-oophorectomy, vaginectomy, metoidioplasty, scrotoplasty, urethroplasty, testicular prosthesis placement, and phalloplasty) all the following criteria must be met:

• You are at least 18 years old and diagnosed as having gender identify disorder (ICD code 302.5)

• You have successfully lived and worked within the desired gender role full time for at least 12 months

• You have received recommendations for surgery from two separate mental health professionals, at least one of which includes an extensive report. One Master’s degree level professional is acceptable if the second letter is from a psychiatrist or PhD clinical psychologist.

• The surgery is recognized as medically necessary within the most current Standards of Care published by the World Professional Association for Transgender Health WPATH).

 

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