Insurance Requirements & Coverage

Washington state law prevents insurance discrimination based on gender identity and in 2021 Washington State passed Senate Bill 5313, prohibiting health insurers from denying or limiting coverage for gender affirming treatment when that care is prescribed to an individual on the basis of a protected gender expression or identity, is medically necessary, and is prescribed in accordance with accepted standards of care.

Still, there are often a number of documentation and health-related steps necessary in order to meet the World Professional Association of Transgender Health (WPATH) standards of care and requirements for coverage through insurance. All gender affirming surgeries must meet the above standards of care and have this documented by both a primary care provider and mental health provider(s), regardless of insurance coverage and payment. All gender affirming health providers are required to follow WPATH standards of care that include provider letters, without exception.

Below are links to accepted insurance plans at UW Medicine, coverage requirements, gender affirming care policies by insurance, and financial assistance requirements. If coming from a state outside of Washington or you have an insurance plan that is not Washington based (i.e. Blue Cross of California), consult Out2Enroll or speak with your insurance plan directly to inquire about your gender affirming surgical benefits.

Unfamiliar with or confused by types of insurance plans, insurance terminology, and what it all means in general? Check out Ingersoll’s insurance explainer guide

Before Your Appointment – What you need to know

UW Medicine follows the standards of care determined by the World Professional Association of Transgender Health (WPATH) and ask that you have a primary care provider referral and all required clinical documentation faxed or sent in to UW Medicine prior to scheduling or arriving to your consultation appointment.

We strive to increase access to gender affirming care and support our trans and non-binary patients; the clinical documentation requested prior to scheduling a surgical consult is required by the WPATH’s standards of care. This will help ensure your visits are valuable and moving forward with surgical approval and insurance coverage (if applicable), prior to surgery. Individual insurance plans may require more then those listed below, but a primary care provider letter will be needed prior to scheduling a consult appointment and a mental health provider letter will be needed prior to your arrival for  your consult appointment for gender affirming surgery. If we have not received these provider letters prior to your consult appointment, you will be asked to reschedule.

 

  • Hormone Replacement Therapy (HRT) – Informed Consent, no letters needed (primary care provider and patient discussion).

 

  • All Gender Affirming Surgeries require the following WPATH guidelines be met, and for insurance plans to approve coverage of procedures for Gender Dysphoria (this excludes post-operative repairs or emergencies):
    1. Letter of surgical support from a primary care provider – This is often the provider who diagnosed Gender Dysphoria, and/or prescribes and monitors HRT if present.
    2. One Letter from a licensed mental health provider affirming readiness for surgery
    3. Letter from surgeon in support of surgery and affirming readiness for surgery (This will be done after surgical consult with the surgeon)

Letter requirements and a template can be downloaded below and given to your primary care provider for guidance if unfamiliar: 

* Mental health evaluations or qualifying psychotherapy must be performed by, and letters of recommendation written by, professionals who are state licensed to practice independently (without supervision) as master’s degree level mental health clinicians, doctoral level mental health clinicians, psychiatric nurse practitioners, psychiatric physician assistants, or Board-Eligible or Board-Certified psychiatrists.

 

How to schedule an appointment with the right UW Medicine provider

Please visit our gender affirming services page to find the UW Medicine services and providers you are looking for.

All gender affirming surgeries must meet the World Professional Association of Transgender Health (WPATH) standards of care and have this documented by both a primary care provider and mental health provider(s), regardless of insurance coverage and payment. All gender affirming health providers are required to follow WPATH standards of care that include provider letters, without exception.

For new patients looking for primary care: Follow the links on each provider’s page to contact their clinics and schedule an appointment. No referrals or provider letters are needed.

For patients looking for specialty care: Please contact your primary care provider (PCP) to have them fax or send a referral to the specialist provider, indicating gender affirming care and include any relevant medical notes.

For patients looking for surgical care: Please contact your primary care provider (PCP) to have them fax or send a referral to the surgeon indicating gender affirming surgery and include any relevant medical notes. Your PCP will also need to fax or send their letter of surgical endorsement, and your mental health provider(s) will also need to complete their evaluation for medical readiness letter that can be faxed in prior to your arrival for your consult appointment. If your provider is unfamiliar with writing these letters, the links above detail the letter requirements and provide a sample template.

Before Scheduling, please review the insurance plans UW Medicine accepts, the gender affirming medical policy of your insurance plan, and the World Professional Association of Transgender Health (WPATH) standards of care for more information on gender affirming care and coverage requirements.

Does UW Medicine accept my insurance?

UW Medicine has many physicians and locations that provide gender affirming care, all of which accept many commercial, Washington State, and Medicare health plans:

Depending on your insurance and health needs, a referral to specialty or surgical providers and coverage for those services may require approval from your insurance plan.

Please visit our Billing and Insurance page to check if your insurance plan is accepted at UWM. We recommend that you also call your insurance company to learn what services and providers are covered under your plan.

UWM Facilities, hours, and locations:

Harborview Medical Center
University of Washington Medical Center – Montlake
University of Washington Medical Center – Northwest 
Valley Medical Center
UW Neighborhood Clinics

Get Help Navigating Your Insurance

For questions about insurance, billing or medical records, please contact our Patient Financial Services support team, Monday through Friday, 8:00 a.m. – 4:30 p.m.

  • Patient Financial Navigators: (206) 223-6715
  • Authorizations: (206) 341-1870

If you are uninsured UW Medicine offers financial assistance, under its Financial Assistance policy, to eligible patients unable to pay for emergency or other medically necessary care. Patients who choose UW Medicine benefit from our experience, expertise and the most advanced medical care available, all within one health system.  Learn more about the requirements and how to apply.

Financial Assistance:

UW Medicine offers financial assistance, under its Financial Assistance policy, to eligible patients unable to pay for emergency or other medically necessary care. Patients who choose UW Medicine benefit from our experience, expertise and the most advanced medical care available, all within one health system. “UW Medicine” includes Airlift Northwest, Harborview Medical Center, UW Medical Center, UW Physicians, UW Neighborhood Clinics, and Valley Medical Center.

For information about financial assistance in Amharic, Chinese, Punjabi, Russian, Somali, Spanish or Vietnamese, please follow the link and scroll down to Financial Assistance

MyChart

For Harborview Medical Center, UW Medical Center-Montlake, UW Medical Center-Northwest, UW Physicians and UW Neighborhood Clinics you can now apply online for Financial Assistance through MyChart. This will allow you to track the status of your application while expediting the submission process.

Directions to apply online:

  1. Click on MyChart login and go to the Billing Summary, then click on Financial Assistance to open the application
  2. Complete the required MyChart Supplemental Form and upload in your MyChart Financial Assistance application

Apply here for Valley Medical Center MyChart

CARES Act

Due to COVID-19, the CARES Act offers financial relief for individuals and families that are eligible. The financial relief may include a federal stimulus check and/or a State expanded unemployment. If you are applying for Financial Assistance:

  • do not include the Federal stimulus check
  • include both the state expanded unemployment and unemployment weekly benefit as income

If you have any questions, please contact the UW Medicine location where you are seeking care.

Documents

Patient Rights & Responsibilities

Hospital care is complex and requires many choices and decisions. This complexity can be confusing and even frightening for patients at a time when they need to make important decisions and focus on coping with their illness.

It is our responsibility to help ensure that patients and their families are aware of their rights and responsibilities, and have the information that will allow them to protect their dignity and independence. These rights and responsibilities are addressed for UW Medical Center and UW Medicine Primary Care, and for Harborview Medical Center.

Further, families and patients’ support systems have a significant impact on response to health and illness; therefore, patient/family contacts are encouraged and promoted as frequently as possible. Our goal is to meet the needs of our patients and families for support, comfort and care when the presence of family and friends are most desired. Our family and visitor guidelines are addressed in the UWMC APOP: Family and Visitor Guidelines and for HMC in the UWM Visitor Restriction Policy.

Notice of Nondiscrimination

Discrimination is against the law: UW Medicine complies with applicable federal civil rights laws, including the ACA section 1557, and does not discriminate on the basis of race, color, national origin, age, disability or sex.

To resolve a complaint follow this link