Beginning January 1, 2022, employees and eligible dependents enrolled in Cigna or UnitedHealthcare will be covered for gender-affirming care and procedures, including an enhanced set of services, 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.
When high-quality, in-network care or covered services are not locally available within 100 miles of your primary residence, UnitedHealthcare and Cigna offer a Travel & Lodging benefit to assist members with eligible travel-related costs, up to a $10,000 lifetime maximum. To learn more, reference the Health Benefits and Insurance Summary Plan Description.
Additionally, 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.
- Cigna: 855-699-8990
- UnitedHealthcare: 800-326-9166
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.