Beginning January 1, 2022, employees and eligible dependents enrolled in Cigna or UnitedHealthcare will be covered for an enhanced set of gender-affirming procedures, including (but not limited to):
- Breast augmentation
- Electrolysis (hair removal)
- Thyroid reduction chondroplasty
- Facial-affirming surgeries
- Voice therapy/lessons
Members must have a diagnosis of gender dysphoria to receive services. Additionally, certain procedures and services may require pre-authorization.
Covered services are the same across all three plan options (Plan Options A, B and C). As with any other medical services, out-of-pocket costs vary between plan option, as they are subject to the plan’s deductible, coinsurance and out-of-pocket limits.
Covered services under Cigna and UnitedHealthcare will largely be the same, with one key difference: UnitedHealthcare will include gender-affirming procedures in their Travel & Lodging benefit (combined with existing Travel & Lodging coverage for cancer-, bariatric-, orthopedic- and transplant-related treatments). For members who are required to travel more than 50 miles from home to receive high-quality, in-network care, UnitedHealthcare will reimburse up to $10,000 of eligible Travel & Lodging expenses.
Both Cigna and UnitedHealthcare have dedicated support lines staffed by experienced representatives to support members undergoing a gender transition, from billing and claims questions to assisting with finding care and reviewing coverage.
To learn more about gender-affirming coverage through Cigna and UnitedHealthcare, see the Health Benefits and Insurance Summary Plan Description.
If you are enrolled in the Kaiser, HMSA or Cigna Global plan, call the phone number on the back of your medical plan ID card for information about the gender-affirmation benefits under your plan.