The road to gender-affirming care is complex and expensive: ‘Even if something is big-C covered, it’s not little-C covered’

When Magan Carty got their date for top surgery in August, 2022, they had roughly four months to pull together about $4,000., had been seeking top surgery since March, 2020. It took a year and a half to get a referral letter from a qualified doctor. Then came the nine-month wait for approval from the Ontario Health Insurance Plan. Even though there was no reason to think they wouldn’t be approved for coverage, Mx. Carty was nervous. “Because without it, it’s about $10,000.

“It can get very expensive very quickly,” said Laura Whiteland, a financial planner and founder of Inclusive Financial Planning in Truro, N.S. “With provincial health insurance, it’s a very specific category of things that they’ll cover.” There are also exceptions: While all provinces cover surgeries to remove breast tissue, many do not cover the

But there can be more to someone’s transition than just those surgeries, including facial feminization surgeries, vocal surgeries or voice training, liposuction and other body contouring, or hair transplants or removal.

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