RE: Transexuals
April 18, 2016 at 10:47 pm
(This post was last modified: April 18, 2016 at 10:48 pm by Sterben.)
SteelCurtain
Being part of a company's insurance offering often includes elective surgeries. If I tear my ACL for the fourth time, (I've torn my left ACL 3 times already) it would be a strictly elective surgery if I chose to have one. People can (and do) live just fine with no ACL. There is no residual pain without meniscal damage, and the doctor's recommendation would likely be quad strength and stabilizers (brace) if I do anything active, and no impact sports. Now, suppose I wanted to play basketball all the time as a result of my lifestyle. It's my primary form of exercise, and I choose to find a doctor that will recommend and perform the surgery.
If my insurance covers elective procedures, should I be denied because I could live without the surgery?
(http://www.tssurgeryguide.com/Dr-Bowers-SRS.html) It would all depend on the company, both these operations are costly. In the case of your ACL surgery, yours would be cheaper then a SRS. I could not find how much therapy costs, my honest guess would be about 300 or more an hour. If it's 300 an hour, 40 one hour sessions be $12,000; the initial surgery is $23,000, an orchiectomy $4,300, this doctor I found that does it charges a $500 deposit and $175 consultation fee. That's $39,175. Wow that is a lot of money, and that's not even including the cost of hormones. I would guess probably about $5,000 to $10,000 for the hormones alone. If you put in 10,000 for the hormones $49.975. That was the second listing on google I pulled up for the doctor who does SRS. There was no before or after pictures so, it's hard to say the quality of his work. I'm sure it can run higher then $49,975 depending on the quality of results, and I'm sure the after care meds run a lot as well. Could if cost more then 100,000?
(http://health.costhelper.com/acl-reconstruction.html) In the case of your torn ACl it be between $20.000 to $50,000, that's a shit load of money but, you be more likely to covered to fix your ACL. Your insurance out of pocket costs $800 to $3,000 which is not bad. The odds of a healthcare provider fronting a large portion of a SRS operation would be unlikely bases the sheer costs alone. You have to front probably 30 to 40% of the cost for a insurance to even consider it. If your SRS did cost 49,975, You'd have to come up with $19,990, that's still a lot of money to gather up.
(April 18, 2016 at 9:40 pm)Sterben Wrote: You can have SRS, I disagree with employers having to pay for it. These surgeries should be self-funded, it's their problem that they feel like a different gender. I can understand the fear and the self-hatred that can come with Gender Identity issues. You can always finance SRS operations, I would just hate the fact of having to pay more for the sake of others in this regards. Now, since I'm not a complete ass-hole I have a idea for employers to be able to cover a operation.
Company A offers various types of coverage's, the only way for a employee to able to get a SRS surgery is to have the highest level of coverage. It works to be perfectly fair so other employees aren't getting screwed on the cost of there coverage's. It may be considered unfair to make them pay for the highest grade of coverage to get the operation. At the end of the day serious and costly cosmetic surgeries should not have to be floated by others to pay for it.
Being part of a company's insurance offering often includes elective surgeries. If I tear my ACL for the fourth time, (I've torn my left ACL 3 times already) it would be a strictly elective surgery if I chose to have one. People can (and do) live just fine with no ACL. There is no residual pain without meniscal damage, and the doctor's recommendation would likely be quad strength and stabilizers (brace) if I do anything active, and no impact sports. Now, suppose I wanted to play basketball all the time as a result of my lifestyle. It's my primary form of exercise, and I choose to find a doctor that will recommend and perform the surgery.
If my insurance covers elective procedures, should I be denied because I could live without the surgery?
(http://www.tssurgeryguide.com/Dr-Bowers-SRS.html) It would all depend on the company, both these operations are costly. In the case of your ACL surgery, yours would be cheaper then a SRS. I could not find how much therapy costs, my honest guess would be about 300 or more an hour. If it's 300 an hour, 40 one hour sessions be $12,000; the initial surgery is $23,000, an orchiectomy $4,300, this doctor I found that does it charges a $500 deposit and $175 consultation fee. That's $39,175. Wow that is a lot of money, and that's not even including the cost of hormones. I would guess probably about $5,000 to $10,000 for the hormones alone. If you put in 10,000 for the hormones $49.975. That was the second listing on google I pulled up for the doctor who does SRS. There was no before or after pictures so, it's hard to say the quality of his work. I'm sure it can run higher then $49,975 depending on the quality of results, and I'm sure the after care meds run a lot as well. Could if cost more then 100,000?
(http://health.costhelper.com/acl-reconstruction.html) In the case of your torn ACl it be between $20.000 to $50,000, that's a shit load of money but, you be more likely to covered to fix your ACL. Your insurance out of pocket costs $800 to $3,000 which is not bad. The odds of a healthcare provider fronting a large portion of a SRS operation would be unlikely bases the sheer costs alone. You have to front probably 30 to 40% of the cost for a insurance to even consider it. If your SRS did cost 49,975, You'd have to come up with $19,990, that's still a lot of money to gather up.
