(April 18, 2016 at 9:40 pm)Sterben Wrote:

(April 17, 2016 at 5:55 am)Mathilda Wrote: Then you clearly do not understand the consequences of not being able to have SRS.

           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?

(April 18, 2016 at 9:41 pm)Losty Wrote: Again, if you think it's strictly cosmetic, you do not understand it.

         How else could you classify it?

(April 18, 2016 at 10:08 pm)Sterben Wrote:

(April 18, 2016 at 9:41 pm)Losty Wrote: Again, if you think it's strictly cosmetic, you do not understand it.

         How else could you classify it?

When my psychiatrist prescribes my diazepam would you say my insurance shouldn't cover it because I should choose not to be so fucking panicky?

SteelCurtain

(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.

Wait so now insurance shouldn't even cover therapy for people if they're transexuals?

(April 18, 2016 at 10:50 pm)Losty Wrote: Wait so now insurance shouldn't even cover therapy for people if they're transexuals?

     I said no such thing, if you read the site about SRS, he was asking for two letters or recommendation from two sources. "one must be by someone with a Ph.D. and the other should at least have a master's degree. These letters can be from a therapist, counselor, psychiatrist, psychologist or social worker.". Therapists with Ph.D's are costly and generally not covered by general insurance. You would need really good insurance to be covered for one those. Therapy should be covered by all insurances, I can understand that a lot of insurances don't cover really high end therapists. Getting your insurance to cover your visits therapist that ranges 300 and higher an hour would very difficult, and I'm sure the co pays would be outrageous. From you said Losty "It takes years of therapy to be considered for SRS surgery". Let's run the math here, let's pretend that the insurance approves the therapist with Ph.D with a co pay of $50 a visit. The person trying to get a letter of recommendation goes three times a month, $150 a month, $1,800 a year. Let's just say three years goes by, that's $7,200 in out of pocket costs just for one the therapists. The other therapist let's just say a psychologist, your insurance approves you again with a co-pay of $25 per visit. Same rate of visits, that's $2,700 in out of pocket costs. $9,900 dollars in total out of pocket costs. Wow, and that's just stage one of getting approved for a SRS surgery. If a person is paying close to $10,000 in therapy that better be some results. It be crippling costs if employers had to cover therapy for one person, if it became standard across the board I'd be paying over a lot more for employer based healthcare. I really don't have a issue with insurances covering SRS, I'm just selfish and want to keep my insurance costs to a minimum. That's why if you want coverage that covers high end therapy and SRS you have to pay a much higher cost then I do. People who use less pay less, people who use more pay more; it's the only fair way of offering a choice to those of us who does use the medial system all that often.

You are the king fisherman. Red Herrings everywhere.

Are you aware of how insurance works? Things are covered or they are not, an insurance company cannot choose to deny you things they sold you because they cost too much.

If my insurance covers elective procedures, why shouldn't they cover medically indicated psychotherapy (if I chose a plan where psychotherapy was already covered) or medically indicated elective surgeries (if I chose a plan where elective surgeries are covered), based on your non-medical opinion of what the procedure is?

To boil it down, what is the difference between an elective ACL Reconstruction and SRS if both procedures are medically indicated?

(April 18, 2016 at 10:23 pm)Losty Wrote:

(April 18, 2016 at 10:08 pm)Sterben Wrote:          How else could you classify it?

When my psychiatrist prescribes my diazepam would you say my insurance shouldn't cover it because I should choose not to be so fucking panicky?

       Again, different story. Your taking a pill, very few pills are denied by insurance. It's fucking wrong how much they charge for pills, when big pharma makes how much money a year?
Your also not asking for a major and expensive operation.

(April 19, 2016 at 12:11 am)SteelCurtain Wrote: You are the king fisherman. Red Herrings everywhere.

Are you aware of how insurance works? Things are covered or they are not, an insurance company cannot choose to deny you things they sold you because they cost too much.

If my insurance covers elective procedures, why shouldn't they cover medically indicated psychotherapy (if I chose a plan where psychotherapy was already covered) or medically indicated elective surgeries (if I chose a plan where elective surgeries are covered), based on your non-medical opinion of what the procedure is?

To boil it down, what is the difference between an alective ACL Reconstruction and SRS if both procedures are medically indicated?

        My point exactly, if you use more you pay more. It would all depend on the insurance if they consider SRS to be cosmetic. Insurance covers a lot of operations, certain operations are not covered bases on cost. My mother had some back problems and her insurance would only cover a older version of the surgery she needed, she had to come out of pocket for the laser spine surgery. The one her insurance covered involved her having metal screws and other things and would of taken her 6 months to heal, the laser surgery was more effective and with only a couple weeks of recovery time.

So you have abandoned your original position, then? And without telling anyone.

The system should say how it already is. Check. Thanks for playing.