Everyone needs support—particularly people who may face discrimination in pursuit of being themselves.

We’re with you

Lesbian, gay, bisexual, transgender, and queer people have a right to safe, affordable healthcare. Your medical plan benefits are available to help you get the care you need from a provider you trust.

Preventive care

In order to effectively evaluate your health, your doctor will probably ask about your sexual history and practices. We hope you find your doctor’s office to be a safe, nonjudgmental place where you can answer honestly and ask your own questions. If your doctor exceeds your expectations—or doesn’t—let other members know by posting a review on Find Care.

It’s important to get the preventive care recommended for the sex you were assigned at birth, unless your doctor suggests otherwise. Your doctor will recommend any tests or specific care. Keep in mind that if your provider performs tests based on signs or symptoms, your visit could be billed as diagnostic rather than preventive, and a copay or deductible could apply.

Everyone can use extra support from time to time—particularly a population that can face frequent discrimination in pursuit of being themselves.

Mental healthcare

Most health plans cover care for mental health and substance-use disorders with a copay. This includes counseling and psychotherapy to help manage stress and anxiety, build self-confidence, and navigate through life’s challenges.

Community and family support makes a big impact on health and lessens risk of depression and anxiety. A primary care physician or counselor can help you find support in your community. To find a mental healthcare provider in your network, sign in to your account and go to Find Care.

Gender-affirming services

The gender-affirming benefit provides coverage to treat gender dysphoria, formerly called gender identity disorder. Benefits are provided for medically necessary surgical services.

Coverage for prescription drugs and mental health services you receive as you prepare for gender-affirming surgery are covered by your plan’s prescription drug and mental health benefits.

Coverage and requirements can vary by plan. There are specific age requirements as well. Sign in to your online account to check your benefit booklet to confirm benefits and coverage. If your benefit booklet doesn’t list specific requirements, contact us to confirm.

View gender affirming benefits

Gender-affirming treatment providers

Find doctors and specialists who offer gender-affirming treatment services. A list of providers is also available through a search on the World Professional Association for Transgender Health (WPATH) website. (Please note: LifeWise Assurance Company gender affirming benefits are not associated with WPATH guidelines.)

Before setting appointments with a provider, confirm that they are in your plan network by checking the provider directory or calling the customer service number on the back of your member ID card.

How to find a surgeon

Your in-network doctor can request a pre-service review for gender-affirming surgery. We also recommend calling customer service at 800-971- 1491 to see what your specific plan covers to avoid surprise bills. If your gender-affirming surgery is approved, your plan’s surgical deductible requirements apply.

To start gender transition, we recommend researching gender-affirming clinics to find an experienced surgeon. Go to Find a Doctor. Browse by category (such as Medical Care, Primary Care, or any other health specialty). Then refine your search using the More Filters drop-down and All Expertise to scroll and locate providers that support gay, lesbian, bisexual, gender affirming, or queer medical services.

Customer service can also tell you if a certain provider is in your network based on their full name, address, and tax identification number.

If your doctor or facility is out of network, you can submit a claim form to us. Make sure you include all the procedure and diagnosis codes, as well as costs for each procedure, and medical records so we can process your claims directly. Note: Some health plans may not have out of network benefits. Sign in or contact customer service to check your out of network coverage.

Note: LifeWise does not cover or support conversion therapy programs designed to change a person’s sexual orientation or gender identity.

Benefits under your health plan may differ, so sign in to your account and refer to your benefit booklet for information on what your specific health plan covers.

Your he/sign-in/ plan covers preventive care services as required by state and federal law. For more information, please review the “A” and “B” rated services on the United States Preventive Services Task Force, immunizations recommended by the Centers for Disease Control and Prevention and preventive care and screening recommended by the Health Resources and Services Administration. See the list on