How Much Does Gender-Affirming Hormone Replacement Therapy (HRT) Cost without Health Insurance? | Mira

On average, gender-affirming hormone replacement therapy (HRT) can cost between $30 and $100 a month for people without health insurance. The World Professional Association for Transgender Health (WPATH) also suggests that you receive a formal consultation with a mental health professional, which can cost anywhere from $75 to $200 without insurance.

costs of gender-affirming hormone replacement therapy

The amount you pay for hormone replacement therapy will depend on several factors, including prescription medications, your consultation with a mental health professional, and your insurance status. Below, we break down the costs associated with each of these factors.

Reading: How much is hrt without insurance

how much do prescription hormone replacement therapy (hrt) drugs cost?

Hrt prescription drug costs can vary dramatically depending on the dosage form, dosage regimen prescribed, and your insurance status. It is important to talk with your health care provider to find the dosage and formulation of HRT that best suits your needs. The following charts list possible cost ranges for both testosterone HRT and estrogen HRT based on dosage form and daily supply.

testosterone hrt prescription costs

costs of prescription of hrt with estrogens

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Note: These are average prices for various prescription drugs used for hrt, but the price you pay may differ from the prices shown in the charts above. Prices shown in these charts are based on prices listed by Goodrx for typical HRT maintenance regimens; however, your prescribed regimen may differ depending on your needs and your provider’s approach. The data above is also based on drug costs at CVS Pharmacy and may vary if you go to a different pharmacy.

how much do hrt queries cost?

In most cases, before you can get a prescription for gender-affirming HRT, your doctor will ask you to get a referral letter from a mental health professional. According to the World Professional Association for Transgender Health (WPATH), this letter is a best practice indicating that you have been adequately screened and are ready to begin HRT. To obtain this letter, you will need to undergo a formal consultation with a trained therapist or mental health professional.

according to wpath, these letters should normally include:

  • patient characteristics
  • patient assessment results
  • length of interaction between patient and mental health professional
  • medical rationale for receiving hrt
  • proof that informed consent was obtained from the patient
  • availability of a healthcare professional for a care coordination meeting
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    Costs for these consultations will vary by facility; however, on average, therapy sessions in 2022 can cost $75-$200 to meet with a psychologist if you pay without insurance.

    It is important to note that some facilities, such as Planned Parenthood, do not require a letter to start hormone therapy at one of their health centers. Also, when choosing a provider for your consultation, be sure to look for LGBTQ+ friendly doctors to ensure your experience is safe and that you receive the best care possible.

    hrt insurance coverage

    Private insurance companies have different guidelines regarding their coverage for hormone replacement therapy. however, it is crucial to know your rights regarding insurance coverage. Federal and state laws require that health plans cannot exclude transition-related care from your coverage or place limits on your HRT coverage. however, your insurance company may still require you to provide medical evidence from your health care provider to show that your transition-related health needs are medically supported.

    Documentation requirements for private health insurance companies may differ depending on their policies. If you’re already insured, check your member handbook or call your health insurance provider to understand all the requirements. If you are uninsured but would like to get insured, the following link is an excellent resource for various health insurance companies’ respective medical policies on gender affirmation procedures.

    See also: What You Need to Know About Attending Physician Statement Forms | Andalman & Flynn Law Firm

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