this post was submitted on 24 Feb 2024
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Assuming my life doesn't collapse again like it did last year, I have surgery in June. I'm lucky to have the job and the insurance that I do. Even with really good insurance I'm dropping thousands of dollars regularly and I haven't even gotten to the surgery part it's madness x.x
Yikes! ๐ฌ That's a LOT of money!
So because insurance and hospitals are a mess I have to be in a self pay agreement. The theory goes I cough up about $45k, do surgery, they bill insurance, insurance refunds the hospital, then the hospital refunds me. What might happen is insurance gives the hospital the middle finger and I'm out a down payment on a house worth of money then I get to sue everybody and see what happens. In hindsight I probably should have just done medical tourism but I didn't have the capacity to figure that out at the time and now it's a risk to my life if I go much longer without surgery
The other costs are flying out of state for large volume hair removal because I can locally only get like 1-2 hours a month since everyone is booked out. Also needing constant therapy because everyone needs increasingly specific therapists letters for me to get anywhere. Finally because I'm getting surgery out of state I need housing for a month so that'll be like $2-5k depending where I can find
It's all madness
Yeah, trans rights in the US are an absolute joke.
Still, I'm happy that you even have $45k in the first place. That's one of the reasons why I hate reimbursements. Sure, the net cost might be zero, but you still gotta have the money in the first place.