How Much Does Top Surgery Cost With Insurance

How Much Does Top Surgery Cost With Insurance

How much does a top surgery cost with insurance? If you’re considering top surgery, you may be wondering how much it will cost. The good news is that the majority of insurance policies pay for at least some of the expenses.

But the amount your insurance will pay may vary depending on the type of surgery you choose and your plan’s coverage limits. Here’s what you need to know about how much does top surgery cost with Insurance. 

What Is Female To Male Top Surgery?

FTM top surgery, also known as female-to-male top surgery, is a treatment in which the skin and surrounding tissue of the chest are altered to give the appearance of a more masculine physique.

This type of surgery is typically performed on individuals who identify as transgender or who have been diagnosed with gender dysphoria, or unease with their biological sex. During an FTM top surgery procedure, the surgeon typically removes excess breast tissue, reshapes the remaining tissue into a more masculine-looking form, and reconstructs the surrounding skin to resemble a natural male contour. 

While some patients may opt for this procedure simply to change their physical appearance, others choose it in order to reduce body dysphoria and live more comfortably in their own skin. 

Whatever your reason for pursuing this type of surgery, it can be a life-changing experience that allows you to feel more at ease with yourself and your identity.

Types Of FTM Top Surgery:

  1. Buttonhole
  2. Double Incision
  3. Wise Pattern
  4. Periareolar
  5. Minimal Scar

The most common type is known as the buttonhole technique, in which the chest tissue is carefully incised and adjusted to create a small opening through which the nipple and areola can be accessed. This procedure produces a very natural-looking outcome and has the potential to reduce scarring near the nipple.

Another popular option is double incision top surgery, which involves making two incisions along each side of the chest instead of one, allowing for more tissue removal during the procedure. While this technique results in prominent scars along both sides of the chest, it typically produces a more dramatic aesthetic result. 

Other types of FTM top surgery include wise pattern and periareolar techniques, both of which focus on creating smooth curves along the chest rather than sharper edges, minimizing the visibility of surgical incision sites. 

Finally, minimal scar surgery is designed to produce very small scars that are strategically placed so that they can easily be concealed by clothing or even natural shadows near them. 

There is no one “best” type of FTM top surgery; it all comes down to individual preference and what will work best for your body and your goals.

Who Is Eligible For Insurance Coverage For Top Surgery?

How Much Does Top Surgery Cost With Insurance?

Top surgery is typically regarded as an “elective” procedure, which means that it is not medically essential. As such, individuals who are seeking coverage for their top surgery will typically be required to meet certain eligibility requirements in order to receive assistance with the costs associated with this procedure.

One common requirement is that an individual must have already undergone freezing or hormone therapy in order to reduce the size of their chest and provide them with some level of physical relief from the symptoms of gender dysphoria. 

In addition, an individual may also be required to produce written confirmation from one or more mental health professionals verifying that they have been formally diagnosed with gender dysphoria and are experiencing severe psychological distress as a result of their condition. 

Finally, top surgery may require pre-authorization from insurance providers prior to being performed, so individuals who are interested in pursuing this procedure should be prepared to speak with their insurer about any specific requirements or restrictions that may apply.

Top Surgery Costs

The cost of top surgery can vary widely depending on a number of factors:

  1. Surgeon’s fee
  2. Anesthesiologist’s fee
  3. Facility fees
  4. Pathology fees
  5. Post-operative fees

How Much Does Top Surgery Cost With Insurance? The total price to be paid will depend on whether the procedure is done with or without insurance coverage. But again, the insurance coverage will depend on the reason why you are undergoing the Top surgery.

How Much Does Top Surgery Cost With Insurance?

In general, estimates for top surgery without insurance typically range from $4,000 to $18,000. This amount can also vary depending on the type of surgery that is performed, with some procedures being more complex than others. The average amount of surgery that is covered by insurance ranges from $3,000 to $5,000. 

How Much Does Top Surgery Cost With Insurance? Additionally, certain geographical locations may have higher costs associated with top surgery due to variations in healthcare pricing and availability. However, the best way to get an accurate estimate of how much your top surgery will cost is to speak directly with your surgeon or medical provider. 

With their help, you can determine the exact needs and requirements of your procedure, as well as what options are available to help lower the overall cost. In many cases, there are plenty of financing options and other resources that can help you overcome any financial hurdles and get the care that you need. 


How Much Does Top Surgery Cost With Insurance? Top surgery is a gender-affirming surgery that many transgender people choose to have. There are several distinct forms of top surgery, and the price will change according to whatever procedure you choose.

Top surgery is generally covered by insurance only if your policy covers gender-affirming surgery. However, if it is not covered, the best way to find out how much your top surgery will cost is to contact a surgeon and ask for a quote. 

If you’re considering top surgery, be sure to reach out to a surgeon for more information about costs and financing options.

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