Top surgery insurance australia Medibank, Bupa, and HCF lead the market with 27. Covering the cost of top surgery in Australia can be done through various methods. Reminder: all genders can have top surgery, it isn't just for trans men! Top surgery content allowed as long as it falls within the rules. what private insurance companies have people gone through before and Posted by u/outbackjackgreen - 2 votes and 4 comments Top surgery -- This subreddit is for posts about top surgery. These companies provide expats with the coverage they need during their stay in Australia. The cost of top surgery with insurance can vary depending on insurance coverage, pre-approval processes, surgeon selection, geographical location, and potential complications. insurance coverage for Top Surgery, in which case you may find that 1 year of HRT is required by the insurance company. Hi all, after lurking for a year or so, I'm finally starting to make moves on the teet yet. or Canada: A Guide for Foreigners Specialist Plastic Surgeon Dr Michael Kernohan performs breast surgery in Sydney Australia and can help you with FTM Top Gender Affirmation Surgery. Everything went well and the results are great, but it feels like there is something fishy going on with how the surgeon is trying to get paid through insurance. The backstory was - I took out Medibank PH cover with a goal of having the surgery. To compare policies across each of the health insurers operating in Australia, all you need is the type of cover you want, who the policy will cover, and where you live. State, Procedure and Insurance Search by Country and Procedure Browse the Global Surgeon Maps Sep 4, 2020 · Insurance Requirements. Sep 2, 2023 · The cost of top surgery in Australia generally falls between $10,000 and $20,000, although this is only an approximation. The top 10 insurance companies in Australia for expats are Bupa Global, Allianz, AXA, Cigna, William Russell, GeoBlue, IMG, April International, NOW Health, and AIG. Thanks for posting to r/TopSurgery. Medibank. 9%, and 12. Jan 20, 2025 · Top Surgery Surgeons Dr. I got lucky and used my bonus to cover most of it, but the last bit is going to drain my savings. Subscribe To Newsletters. Keywords: student health insurance for top surgery, gender affirming care coverage, university health insurance options, paying for top surgery, insurance coverage for gender surgeries, financial planning for top surgery, college student health benefits, understanding health insurance for surgery, New York student health insurance, out-of-pocket costs for top surgery The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John Oliver Georgia trans dude here! I'm not sure exactly what kind of insurance you have, but I have Ambetter (from Peachstate), a really cheap plan. Well, the sooner you get insurance the sooner you can get the surgery bascially. So I'm getting ready for my top surgery, my surgeon lists double incision to be 7500k but my insurance should cover 90% so theoretically I should only pay 750. Find resources to help you prepare for and recover from FTM Top Surgery. Darebin were very good, had all the support from dieticians, psychologists etc in-house essentially (another surgeon I consulted with basically would only do the surgery and left me to Mar 15, 2023 · Top Surgery Insurance Tips From a Super Mom Who Won't Take 'No' For An Answer! While more and more insurance companies in the United States are covering Top Surgery for transgender and gender-nonconforming individuals, navigating the world of insurance remains daunting. Jan 22, 2025 · While many insurance plans now cover gender-affirming Top Surgery, there may still be out-of-pocket costs, such as deductibles and co-pays, which can range from $500 to $5,000, depending on your plan and coverage specifics. Briggs requires clients to have been under the care of a psychiatrist or psychologist and endocrinologist. Unlike urgent surgeries, elective operations are booked beforehand, giving patients enough time to weigh their alternatives thoroughly, consult medical professionals, speak to their health insurance provider, and make plans for a more Without insurance, and for DI surgery with Dr. so in april I got insurance approval for my top surgery (double mastectomy with chest reconstruction) through Blue Shield. Posted by u/DirectorElegant7311 - 5 votes and 6 comments Dec 2, 2022 · (An exception to this is if you are trying to get U. I'm… I waited for three months on the 30 day priority waiting list for surgery #1. However, they then moved the goalposts and my level of cover didn't include weight-loss surgery. Feb 8, 2025 · Need a Surgeon Who Accepts Insurance? Check out this verified list of surgeons who accept insurance for FTM Top Surgery. He trained in general surgery at St. a few places have said they cover them if they're 'medically necessary' which is very vague as to what that actually means. It cost $10,000 for the actual surgery itself, then the hospital fee is going to be $2,750(roughly), the pathology fee is $300 cash. today I got a bill from my insurance saying they denied all my services, which I was extremely confused and shocked to hear. Garramone. Ethan Larson of Larson Plastic Surgery) and doing research on other top surgeons in the United States, both surgeons and many others around the country deem 19303 and 19350 as their billing codes for top surgery and deny that CPT code 19318 The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John Oliver. Amazon is another employer that will cover top surgery as well and the insurance begins immediately. PrivateHealth. Mar 28, 2023 · Dental surgery ; Gynaecological services ; New South Wales-based Westfund ranks among the top private insurance companies in Australia when it comes to member retention. Is top surgery free in Australia? Top surgery cost in Australia For female-to-male (FTM) top surgery, Pure Aesthetics says you can expect out-of-pocket expenses to start at around $10,200. The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John Oliver (take into consideration that the surgeon accepts patients who are 16 or 17 with parental consent, the patients breasts started to develop at age 11 and they have not changed shape in years, has been on testosterone for over a year, has been out and started transitioning at the age of 11, and has been binding the breasts since age 11. Below is a list of the top 10 insurers in Mar 13, 2025 · All Australians have access to free or subsidised treatment in a public hospital with Medicare, but you can also get hospital cover on top of medicare that comes with the promise of shorter waiting times for elective surgery and a range of government financial incentives. Mar 15, 2023 · Top Surgery Insurance Tips From a Super Mom Who Won't Take 'No' For An Answer! While more and more insurance companies in the United States are covering Top Surgery for transgender and gender-nonconforming individuals, navigating the world of insurance remains daunting. ModMail is working again! ModMail messages from now on will be answered as soon as possible. Nov 19, 2023 · Medicare coverage for FTM top surgery is generally available under item number 31519, as it is recognised as a necessary part of gender transition. Top surgery -- This subreddit is for posts about top surgery. You can use the table at the top of this page to compare policy features and estimated premium prices for someone who is 60. Hi all, I'm trying to find information on top surgery in Australia but I can find anything that isn't from american sites or from years ago. au contains details of every health insurance policy available in Australia. If you live somewhere close to an office, I can refer you for a job internally or you can look at some remote positions. 1 Opinion Site. The most typical is private health insurance, which may cover some or all expenses related to the procedure, depending on your policy. as i said, most states in australia have legislation preventing gender affirmation surgeries being performed in the public system - NSW doesn't, but functionally it almost doesn't exist because of the way the legislation is written This subreddit is for posts about top surgery. Melbourne, VIC. Images, discussion, questions, advice, et cetera. Get assistance choosing a procedure and narrowing down surgeons. I had DI top surgery w/ nipple grafts last week (Oct 2023) with the amazing Lisa Friederich in Sydney, Australia. 1%, 24. Their “expert” that denied the surgery is an LPN that is grossly unqualified to be deciding on a complex 4 hour jaw surgery. Other surgeons will require that you pay in advance and then help you apply for reimbursement through your insurance company after your surgery. Why It Stands Out: One of Australia’s largest and most trusted health insurers, Medibank offers comprehensive coverage tailored to various needs. what private insurance companies have people gone through before and Top surgery -- This subreddit is for posts about top surgery. SUMMARY. Using Insurance. 5k after insurance, it would’ve been $60,000 without insurance (but medical institutions charge more to insurance companies vs. I'm in the process of setting up May 20, 2024 · Patients choose elective surgery, also known as scheduled or non-emergency surgery, to treat non-life-threatening illnesses or to improve their quality of life. May 9, 2013 · Dr. He is a member of FRACS & ASPS and has over 20 years of experience providing plastic surgery in Sydney. Change the filters to suit your requirements. Aug 25, 2020 · Find a Surgeon. Key Features: Hospital and Extras Cover: Combine both or opt for standalone options. This information is relevant in July 2020 however, any of it is subject to change at any time so it is best to call to confirm specifics. Please remember to follow the rules, which can be found on the sidebar. mine was 6. Chest Feminization. The 20 best Travel Insurance in 2025 ranked based on 41,543 reviews - Find consumer reviews on ProductReview. I am currently a freelancer, trying to lock down a permanent position at one of my contract jobs, but I hones 2 days ago · Canstar’s Health Insurance Star Ratings have identified the best value health insurance for extras cover across each state and territory. ) One benefit of being on T prior to surgery is that it can help you develop larger chest muscles, giving your Surgeon more of a contour to work with, which can improve I’m from Sydney and had surgery (double incision) 5. Insurance News Breast surgery (medically necessary) O(R) May 4, 2022 · About Dr Jeremy Hunt – Specialist Plastic Surgeon. Nov 1, 2024 · Guide To Hospital Health Insurance In Australia. Top Health Insurance Providers in Australia 1. gov. Breast augmentation involves a surgeon inserting a gel or liquid-filled implant into a pocket formed behind the breast tissue or under the pectoral muscle and centering each implant beneath the two nipples. Gastric sleeve surgery is covered by all gold-tier hospital policies. The not-for-profit Jun 15, 2024 · Even if you have insurance that covers gender-affirming surgery, you might have to pay a large deductible or other costs that insurance doesn’t cover. No nipple top Hi all! I'm saving up for top surgery right now although I haven't gotten a consultation for it yet. The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John Oliver To the Aussies that have used private health insurance to cover jaw surgery, how much did you save with private health insurance and how much did you pay per month for private health insurance? Also those who didn't use private health insurance and paid for it out of pocket, how much did the surgery cost you? So about 11 months ago I got my top surgery from one of the most well known top surgeons. Nov 7, 2024 · Compare health insurance policies. the surgery is almost medically needed at this point due to An emergency department (ED), also known as an accident & emergency department (A&E), emergency room (ER) Call : +888-123-4587 Well, the sooner you get insurance the sooner you can get the surgery bascially. Dr. Search by U. ; Contact HBF However you want to connect with us, we’re here for you. I had an approval for jaw surgery, got braces for the surgery and now that it’s time for surgery insurance (BCBS) is denying all coverage despite the plan being the same and my jaw issues getting worse. Tailored Plans: Choose from family, singles, or couples The Top 10 Insurance Companies in Australia. Posted by u/gmiquelon - 14 votes and 12 comments Nov 18, 2023 · By thoroughly researching insurance policies, verifying the medical necessity of top surgery, consulting with a qualified surgeon, obtaining the necessary documentation and letters of recommendation, submitting a pre-authorization request, and following up with the insurance company, individuals can build a strong case for insurance coverage. Apr 1, 2024 · In this article, we’ll explore the top five health funds in Australia for 2025 based on key performance data extracted from the most recent annual State of the Health Funds Report conducted by the Commonwealth Ombudsman for private health insurance. Sep 16, 2021 · Member assistance Support for challenges with finance, family, health and language. ) $61 for nipple graphs (billed $3,556 to insurance) $0 for the bilateral mastectomy (billed $6,630 to insurance) The years worth of platinum was about $3k in insurance premiums BUT that money comes out pre-tax, so while I definitely paid more for my insurance, my taxable income was also lower—dollar to dollar I saved so much money on my surgery going for the very expensive insurance and paying a $100 copay and a high weekly rate rather than a Jan 30, 2025 · Check out the TransGuys. merten was unusual in offering top through the public system, and NSW is unusual in that it isn't outright banned. I will be going for double incision. Insurance Coverage for Top Surgery. Request FREE information from surgeons who offer Top Surgery in Australia. au, Australia's No. 5% shares, respectively. How-To Guide: Insurance Coverage for Top Surgery In the United States. Starbucks as well! Posted by u/amalopectin - 4 votes and 10 comments Feb 8, 2025 · Surgeons Who Take Insurance for Top Surgery Some surgeons will work with your insurance company directly to get the cost of your surgery covered, either in whole or part. The cover I took out at the time covered me. Always check the annual benefit limit before you buy. I've heard between $4000 and $25000 in Australia, but I'm not sure about the insurance situations for these people. There are various kinds of insurance available for top surgery. Which is a total of $13,050 out of pocket. My credit score is between 600-700 across all 3 bureaus. With a medical loan, you can pay the cost of Top Surgery over time. The 2024 winners for extras cover are: Queensland – Bupa; NSW (includes ACT) – Bupa; Victoria – Bupa; Tasmania – Bupa; South Australia – Bupa; Western Australia – HBF; Northern Territory – HBF The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John Oliver While talking to two separate surgeons (Dr. The actual price paid could be higher or lower. I'd also reach out to whichever surgeon you want to go with sooner than later. Had it 6 days after I lost the nerve to keep waiting and contacted a private specialist. Nov 15, 2024 · Yes, many private health insurance providers in Australia cover weight loss surgery or bariatric surgery, but you need to be on the right policy (or tier) to get access to the benefits. Top 5 pet insurance brands for customer satisfaction in 2024 This subreddit is for posts about top surgery. I got an estimation for my out of pocket expenses, paid the portion I was supposed to, got surgery sept 26. Jan 1, 2025 · Australia’s top 10 health insurers provide comprehensive policies that cater to varying health and financial requirements. Bartholomew’s Hospital in London, and in Plastic Surgery at Mount Vernon Hospital and University College Hospitals in London, Allegheny General Hospital in Pittsburgh, Pennsylvania, USA, and Cork University Hospital, Ireland. Darebin were very good, had all the support from dieticians, psychologists etc in-house essentially (another surgeon I consulted with basically would only do the surgery and left me to I live in Texas and my insurance doesn’t cover top surgery. Reconstructive chest surgery, commonly referred to as ‘top surgery’ is typically sought by trans people who were presumed female at birth (PFAB), including men and non-binary people, to remove breast tissue and sculpt the chest into a pectoral form. Some insurance plans may cover the entire cost of top surgery, while others may cover only a portion or have specific criteria that must be met for coverage to be provided. com. ; HBF Blog Explore hundreds of blogs for trusted advice and support. I ended up going all the way to a secondary appeal with Anthem, where I got on the phone with an independent board of doctors and pleaded my case- I met every This in-depth guide breaks down the costs associated with gastric sleeve surgery in Australia, covering everything from the basic procedure price to what might be covered by Medicare and private health insurance. A lot of the Washington state surgeons I'm seeing on here dont take apple health (state insurance/medicaid). I was never told that because they were out of network, that regardless of insurance decisions I would have to have my entire surgery paid in full 2 weeks prior to my surgery date. Dr Jeremy Hunt is a specialist plastic surgeon performing breast, body, face and nose surgery in Australia. To get Top Surgery covered by insurance there are a number of requirements. With this surgery, the nipple stalk and nerve are not severed and so the nipple retains blood supply and sensation. This subreddit is for posts about top surgery. com Comprehensive Guide to Surgery Fundraising for tips about how to raise money for Top Surgery. What is FTM Top Surgery? The goal of FTM Top Surgery is to remove excess breast tissue and skin and reposition the nipples and areola to create a more masculine-looking chest. Feb 7, 2025 · Dental health insurance in Australia offers various plans, including general, major, orthodontic, endodontic, and cosmetic dentistry cover, each catering to different needs and budgets. ) One benefit of being on T prior to surgery is that it can help you develop larger chest muscles, giving your Surgeon more of a contour to work with, which can improve 2 days ago · Canstar’s Health Insurance Star Ratings have identified the best value health insurance for extras cover across each state and territory. Briggs is a graduate of the Royal College of Surgeons. The 2024 winners for extras cover are: Queensland – Bupa; NSW (includes ACT) – Bupa; Victoria – Bupa; Tasmania – Bupa; South Australia – Bupa; Western Australia – HBF; Northern Territory – HBF Posted by u/DirectorElegant7311 - 5 votes and 6 comments The 20 best Health Insurance in 2025 ranked based on 14,473 reviews - Find consumer reviews on ProductReview. I applied for a 12k personal loan to a small credit union and got approved for about 15% apr. S. Consulting with a professional plastic surgeon and your insurance provider will help provide a clearer understanding of the financial aspect of this transformative journey. Sep 18, 2023 · Health Insurance Coverage for Top Surgery. 5 months ago with Dr Merten. Patrick Briggs . I had blue cross blue shield and my surgeons estimate said they would fully cover my surgery but I wasn't able to get surgery before my insurance changed do to my father's job changeing insurance companies abruptly and now my surgeon is out of network and I'm not sure if they will even cover it at all, so I'm also curious if I can get blue cross blue shield for a few months to get surgery and Similar to Double incision top surgery, but the nipple is reduced in size and re-positioned by doing an additional vertical incision from the bottom of the areola to the horizontal incision along the pectoral muscle. Didnt even bother investing public waiting periods with surgery #2 - went straight from diagnostics to full surgery and therapy in private hospital. Support letters are required. Hi all! i’m in the process of trying to schedule my top surgery and am looking through my current insurance’s coverage. 5. If you think your post has been removed and should not have been, please contact the mods via modmail -- I will try to get to it as soon as possible. Reddit was a really useful source for me when it came to estimating how much my top surgery would cost so I wanted to share a breakdown of: An estimated cost if going self-funded and receiving Medicare rebates Jan 22, 2025 · How-To Guide: Insurance Coverage for FTM Top Surgery In the United States This new guide walks you through the process of getting insurance coverage for FTM Top Surgery, including how to file an appeal and reverse a denial of coverage. TikTok is super trans inclusive! Our insurance is 100% free and will cover top surgery. The gap fee from the specialist is not covered by anything at all, it’s in a no man’s land of it’s not the hospital doing it so the hospital cover doesn’t cover it but it’s Australia's top 10 private health insurance providers in 2022. Mar 3, 2025 · This may seem like a lot but surgery can exceed $20,000 in some cases. Is there any chance I could end up having to pay something like 2k? hello! seeking out ftm top surgery, got a surgeon in sydney picked out and have all the correct documents but am having trouble finding which private health insurance will cover the specific item codes. According to what i’m reading, top surgery is considered “reconstructive” surgery under BCBS, as long as certain criteria are met, as opposed to “medically necessary” surgery. However, Im not sure if that's the surgery itself or with anesthesia, pain meds, and other drugs included. Patrick Briggs, FRCS FRCSI FRCSI(Plast Surg), is an internationally trained Plastic Surgeon practicing in Melbourne. This new guide walks you through the process of getting insurance coverage for FTM Top Surgery, including how to file an appeal and reverse a denial of coverage. hello! seeking out ftm top surgery, got a surgeon in sydney picked out and have all the correct documents but am having trouble finding which private health insurance will cover the specific item codes. A year ago, I submitted this post asking if anyone had successfully appealed Anthem's policy that you had to meet the WPATH criteria for genital surgeries to get top surgery. Some of the hoops you may need to go through include: Meeting the insurance company's basic criteria: legal adult status, Gender Dysphoria diagnosis, support letters from qualified mental health practitioners, your primary care provider and your Here is some information I've gathered regarding planning Top Surgery/Chest Reconstructive Surgery for FTM with Andrew Ives and BUPA private health insurance. However, MTF breast augmentation may not be covered unless specific medical criteria are met. I'm wondering how much it is likely to cost. 0 Excellent score 3 patient verified reviews To be able to cover your top surgery cost with insurance Feb 21, 2024 · Insurance coverage for top surgery can vary significantly depending on the specific insurance plan, the type of surgery being performed, and the individual’s healthcare needs. Government report reveals the top-performing insurers. I haven't had top surgery yet, but I know that a lot of plans here have requirements like minimum (x amount of time) on hrt and multiple letters of recommendation from different types of health providers It all started when I began my insurance coverage process. It cost around $12,000, plus around and extra $1,000 for hospital fees and post-op items, and I got back $1,200 from Medicare and only $500 from health insurance (which was more expensive than that to have in the first place). Posted by u/Silent_Watch3425 - 1 vote and 1 comment 2 days ago · The cost of health insurance for seniors depends on a variety of factors, including whether you choose hospital, hospital and extras, or an extras only policy. If you've got a costco near you and you're over 18 definitely go that route if possible! however, most top surgeons i've seen don't take insurance at all, so unless the insurance covers out-of-network surgeons you might be hosed on the cost anyway- which is the problem I'm dealing with right now. Coverage for weight loss surgery includes procedures like gastric bypass, sleeve gastrectomy and gastric banding, provided that the surgery is medically We had top hips cover top hospital top extras, I had to still pay 12k out of pocket to get my surgery to replace the slipped and now completely desiccated disc. Getting Top Surgery in the U. If you're planning to use insurance to pay for your Top Surgery, you'll need to find out if your insurance will in fact cover it. but top insurers such as Medibank, This includes dental surgery, lung and chest conditions, podiatric surgery, as Feb 19, 2025 · Australia, Jul 15, 2024 Jul 15, 2024 • Verified review. So I spent months, I mean MONTHS, fighting insurance to approve coverage. Dec 2, 2022 · (An exception to this is if you are trying to get U. I paid about $14 grand out of pocket with the plan to get reimbursed through insurance later. A breast augmentation procedure may be part of a gender-affirming surgical plan, and can create a more feminine chest appearance. This includes the surgeon's fee, anaesthetist costs and hospital fees if you have private health insurance coverage. Scott Mosser of Gender Confirmation Center and Dr. if someone was paying without insurance.
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