Are there any exclusions for the coverage of gender-affirming care?

While all standard Blue Cross NC plans cover gender-affirming care, some employer groups may choose not to provide this coverage. Restrictions may also apply based on state law. Please check your benefit booklet for details.

If your plan does provide coverage for gender-affirming care, some limitations and exclusions may still apply.

In general, gender affirmation surgery and hormone therapy are not covered when they are not considered medically necessary. Certain procedures, including collagen injections, lip filler, skin resurfacing and abdominoplasty, are considered not medically necessary as part of gender affirmation surgery.