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 born with, 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.

HIV PrEP therapy and drug coverage

Certain HIV Preexposure Prophylaxis (PrEP) tests, screening, counseling, and medication are covered at no cost when used as a preventive measure for those receiving or being evaluated for HIV infection. See the Preventive Services List for additional information.

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.

Gender affirming benefits FAQ 

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. Before setting appointments with a provider, confirm your provider is in network by going to our provider directory. For additional support, contact customer service at the number on the back of your ID card.

The list provided was accurate as of 12/7/2021. Confirm a provider’s status before arranging care by checking our online provider directory or by contacting customer service.

How to find a surgeon

Your in-network doctor can request a pre-service review for gender-affirming surgery. We also recommend checking with a customer service representative to see what your specific plan covers to avoid surprise bills. If your gender-affirming surgery is approved, your plan's surgical copay and 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. 

Claim form

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 health 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