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Top Surgery Surgeons Who Accept Insurance

Navigating insurance coverage for gender-affirming top surgery can be confusing and stressful—but it is possible. Many surgeons across the U.S. work directly with insurance companies to reduce or eliminate out-of-pocket costs. Others may require payment upfront but can support you with documents for reimbursement after your surgery.

This page lists surgeons who accept insurance for FTM/N top surgery, including both in-network and out-of-network options. Keep in mind that insurance coverage varies widely depending on your plan, provider, and location. And even if you receive preauthorization, it doesn’t guarantee payment—if coverage is denied, you could be responsible for the full cost of surgery.

Need help verifying your coverage or appealing a denial? Check out our updated Top Surgery Insurance Guide for step-by-step instructions, billing codes, and more.

The following surgeons accept Insurance for FTM Top Surgery:


Featured Surgeons

Arizona

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California

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Connecticut


Florida

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Illinois

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Maryland

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New Jersey

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New York

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Oregon

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Pennsylvania

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Texas

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Washington

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Washington, D.C.

 

Last updated: 05/18/26