Transexuals

[Sterben]

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.