Saving up for transition expenses

Get a job.

Insurance coverage

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Worldwide, health insurance often doesn't cover surgeries that are just for transgender people. As a result, the person has to save up to pay for it out of pocket. This section should list some health insurance companies known to cover these.

Help with enrolling in and navigating insurance:

• Black Trans Advocacy Coalition (BTAC) Health Services can help black transgender people in the US find financial solutions that can help cover your cost of care, and provide counseling about your options. They can help you navigate your insurance and enrollment in it.

Surgery loans

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Some organizations let a person borrow money from them in order to cover surgery. These organizations are called surgery financing companies. Some of them offer loans for kinds of surgeries that are just for transgender people. The company will want you to pay off the loan at about USD$250 to USD$300 each month. In order to apply for a loan, you need a good credit score, and a monthly income of at least USD$1500.

Surgery grants

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Some organizations give money for the purpose of surgeries that are just for transgender people. This is a kind of gift called a grant.

External links about surgery grants:

• CK LIFE Surgery Scholarship Fund in the US.
• Jim Collins Foundation in the US selects about seven gender-validating surgery grant recipients a year.
• Point of Pride Annual Surgery Fund, formerly called the Point5cc Transgender Surgery Fund.
• Rizi Timane Ministries – Trans-surgery Scholarship
• TUFF

Fundraising resources

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• People post about their fundraising for trans surgeries on this blog: Trans-ition Fund Collective. You can link to places where people can donate to you, or where they can buy stuff from you. You can also support the funds of other trans people you find there.

See also

• Practical resources

External links

• Comprehensive Guide to Surgery Fundraising, by Joshua Riverdale. Written for transgender men in Australia, Canada, and the USA, with information about crowdfunding.