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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.
The following surgeons accept Insurance for FTM Top Surgery:
Featured Surgeons
Arizona
Dr. Toby Meltzer, MD
Dr. Aran Yoo, MD
The Meltzer Clinic
7025 N. Scottsdale Rd., #302
Scottsdale, Arizona 85253
Board-certified (Meltzer); WPATH members; accept insurance and medical financing; $100 in-person consultations; wait list 12 months (Meltzer) and 3-6 months (Yoo) following consult; 18+ only.
More about Dr. Meltzer »
More about Dr. Yoo »
California
Dr. Azadgoli is a Beverly Hills-based plastic and reconstructive surgeon who provides gender-affirming surgical care for transgender and non-binary patients seeking top surgery. Dr. Azadgoli offers Sensory Nerve Preservation, a specialized technique that reconnects nerves to the nipple graft allowing for a faster and more reliable return of sensation. More »
Known for precision and artistry, offers Sensory Nerve Preservation. Los Angeles area.
Dr. Beina Azadgoli, MD
The Practice Healthcare
436 N Bedford Dr, Ste 103
Beverly Hills, California 90210
310-278-8200
thepracticehealthcare.com
Accepts insurance and medical financing.
Dr. Scott Mosser, MD, FACS
Dr. Alexander Facque, MD
Dr. Ellie Zara Ley, MD
Dr. Daniel Jacobs, MD
450 Sutter St., Suite 1010
San Francisco, CA, 94108
Board-certified; WPATH members; accept insurance, Medicaid and CareCredit; FREE in-person or virtual consultations; informed consent; wait list 2-3 months following consult.
More about Dr. Mosser »
More about Dr. Facque »
More about Dr. Ley »
More about Dr. Jacobs »
Dr. Bene is a board-certified Plastic and Reconstructive Surgeon and the Director of Gender Affirmation Surgery at Stanford Medicine. He is fellowship-trained in Advanced Gender Affirmation Surgery and specializes in top surgery. He is one of only a handful of surgeons offering Sensory Nerve Preservation, a technique designed to improve sensory outcomes. More »
Director of Gender Affirmation Surgery at Stanford, offers Sensory Nerve Preservation.
Dr. Nicholas Bene, MD
Stanford Health Care
Plastic and Reconstructive Surgery Clinic
1000 Welch Rd.
Palo Alto, California 94304
650-723-7001
stanfordhealthcare.org
Board-certified; WPATH member; accepts insurance, Medicaid, Medicare; wait time 1-2 months for consult, 3-6 months for surgery.
Dr. Ives is a plastic and reconstructive surgeon in Beverly Hills who specializes in gender-affirming top surgery. With advanced surgical skills and an inclusive, affirming approach, Dr. Ives is a great choice for transgender and nonbinary individuals who are interested in having top surgery in the Los Angeles area. IvesMD is in-network with Blue Shield of California. More »
Highly trained plastic surgeon in Beverly Hills, in-network with Blue Shield of CA.
Dr. Graham Ives, MD
IvesMD
433 N. Camden Dr., Ste 1190
Beverly Hills, California 90210
310-299-9809
www.ivesmd.com
Accepts insurance and some Medicaid plans; in-network with Blue Shield of California; $200 in-person and virtual consultations (fee waived for in-network patients); wait times are 1–3 weeks for consult, surgery dates 3–4 weeks later.
Dr. Charles Lee, MD
Crane Center for Transgender Surgery
575 Sir Francis Drake Blvd. Suite 1
Greenbrae, California 94904
Board-certified; accepts insurance, most managed Medi-Cal plans and medical financing; $200 consult; wait list: 1 month for consult, 3 months for surgery date.
More about Dr. Lee »
Dr. Thomas Satterwhite, MD
Dr. Dev Gurjala, MD
Dr. John Henry Pang
Dr. Breanna Jedrzejewski, MD, MPH
Align Surgical Associates Inc.
2299 Post St., Suite 207
San Francisco, California 94115
Board-certified; WPATH member; accepts insurance and Medicaid; wait list 3-6 months following consult.
More about Dr. Satterwhite »
More about Dr. Gurjala »
More about Dr. Pang »
More about Dr. Jedrzejewski »
Dr. Mark Youssef, MD
Transgender Surgery Institute of Southern California
1317 5th St., Suite 301
Santa Monica, California 90401
Accepts insurance & CareCredit; FREE in-person or phone consultations; wait list 4 weeks.
More about Dr. Youssef »
Dr. Walter Lin, MD
The Buncke Clinic
45 Castro St., Suite 121
San Francisco, California 94114
Board-certified; WPATH member; accepts insurance and Medicaid; in-person or phone consultations; informed consent; wait list one month.
More about Dr. Lin »
Dr. Manish Champaneria, MD
Scripps Clinic Del Mar
12395 El Camino Real, Ste 112
San Diego, California 92130
Consultation fee $100; accepts financing, insurance; informed consent.
More about Dr. Champaneria »
Connecticut
Dr. Chandler is a Harvard fellowship-trained plastic surgeon who has received specialty training in Top Surgery from some of the best experts in the field. Based in Fairfield County, Connecticut, Dr. Chandler provides personalized care for a diverse range of patients, up to 90% of whom are transgender or non-binary. More »
Specialty training in Top Surgery, Connecticut practice dedicated to gender-affirming care.
Dr. Laurel Chandler, MD
Chandler Plastic Surgery
777 Post Rd, Ste 304
Darien, Connecticut 06820
203-423-3132
www.topsurgeryconnecticut.com
Fellowship-trained; board-certified; WPATH member; accepts financing, insurance and CT Medicaid (Husky); no BMI limit; uses informed consent (no letter requirement); wait list 2-3 months; $200 consult fee.
Dr. Shareef Jandali, MD
Jandali Plastic Surgery
5520 Park Avenue, Ste WP-2-300
Trumbull, Connecticut 06611
Board-certified; WPATH member; accepts insurance and financing.
More about Dr. Jandali »
Florida
Dr. John L. Whitehead, DO
Restore GRS
1111 Kane Concourse, Suite #311
Bay Harbor Islands, Florida 33154
Board-certified; accepts medical financing, some insurance; $250 consult fee.
More about Dr. Whitehead »
Dr. Christopher Salgado, MD
Constructive Surgery Associates
1330 Coral Way, Suite 306
Miami, Florida 33145
Board-certified; WPATH member; accepts insurance, Medicare and medical financing; will operate on those with high BMI; $200 consult fee.
More about Dr. Salgado »
Dr. Russell Sassani, MD
Take Shape Plastic Surgery, PA
4161 N.W. 5th St., Suite 300
Plantation, FL, 33317
Board-certified; accepts CareCredit, Humana and Medicare; free consult.
More about Dr. Sassani »
Illinois
Dr. Loren Schechter, MD, FACS
Rush Gender Affirmation Surgery
1725 W. Harrison St.
Professional Building, Suite 818
Chicago, Illinois 60612
Board-certified; WPATH member; accepts insurance, Medicaid and Medicare; no BMI limit; free initial phone consult; wait list 2 months.
More about Dr. Schechter »
Maryland
Dr. Gabriel Del Corral, MD, FACS
Medstar Center for Gender Affirmation
9105 Franklin Square Dr., Suite 214
Baltimore, Maryland 21237
Board-certified; WPATH member; accepts insurance, Medicaid (Maryland* and DC only, *Maryland Physicians Care Medicaid excluded); in-person and virtual consultations; wait list 2-3 months.
More about Dr. Del Corral »
New Jersey
Dr. Keith is a board-certified, fellowship-trained plastic surgeon specializing in gender-affirming top surgery. With locations in both New Jersey and New York City, Dr. Keith and the GAMMA team are proud to serve patients throughout the region with comprehensive, compassionate care. More »
Board-certified Top Surgery expert in New Jersey & NYC.
Dr. Jonathan Keith, MD, FACS
GAMMA (Gender Affirming Medical and Microsurgical Associates)
200 South Orange Ave, Ste 295
Livingston, New Jersey 07039
201-449-1000
gammanyc.com
Board-certified; WPATH member; accepts insurance; wait list 6 months.
More about Dr. Keith »
Dr. Jonathan Keith, MD, FACS
GAMMA (Gender Affirming Medical and Microsurgical Associates)
374 W 11th St.
New York, New York 10014
201-449-1000
gammanyc.com
Board-certified; WPATH member; accepts insurance; wait list 6 months.
More about Dr. Keith »
Dr. Marano is a board-certified, fellowship-trained plastic surgeon based in New York City. He is a co-founder of GAMMA (Gender Affirming Medical and Microsurgical Associates), where he provides safe, affirming, and expert surgical care for transgender and nonbinary individuals. If you are seeking Top Surgery in New York or New Jersey, Dr. Marano is an exceptional choice. More »
Highly skilled Top Surgery specialist in New York City & NJ.
Dr. Drew Marano, MD
GAMMA (Gender Affirming Medical and Microsurgical Associates)
200 South Orange Ave, Ste 295
Livingston, New Jersey 07039
201-449-1000
gammanyc.com
Board-certified; WPATH member; accepts insurance & some NJ Medicaid plans; wait list one month.
More about Dr. Marano »
Dr. Drew Marano, MD
GAMMA (Gender Affirming Medical and Microsurgical Associates)
374 W 11th St.
New York, New York 10014
201-449-1000
gammanyc.com
Board-certified; WPATH member; accepts insurance; wait list one month.
More about Dr. Marano »
New York
Dr. Rachel Bluebond-Langner, MD
NYU Plastic Surgery Associates
222 East 41st St., 7th Flr.
New York, NY 10017
WPATH member; accepts insurance and Medicaid (Amida Care only); BMI limit of 40.
More about Dr. Bluebond-Langner »
Dr. Keith is a board-certified, fellowship-trained plastic surgeon specializing in gender-affirming top surgery. With locations in both New Jersey and New York City, Dr. Keith and the GAMMA team are proud to serve patients throughout the region with comprehensive, compassionate care. More »
Board-certified Top Surgery expert in New Jersey & NYC.
Dr. Jonathan Keith, MD, FACS
GAMMA (Gender Affirming Medical and Microsurgical Associates)
200 South Orange Ave, Ste 295
Livingston, New Jersey 07039
201-449-1000
gammanyc.com
Board-certified; WPATH member; accepts insurance; wait list 6 months.
More about Dr. Keith »
Dr. Jonathan Keith, MD, FACS
GAMMA (Gender Affirming Medical and Microsurgical Associates)
374 W 11th St.
New York, New York 10014
201-449-1000
gammanyc.com
Board-certified; WPATH member; accepts insurance; wait list 6 months.
More about Dr. Keith »
Dr. Marano is a board-certified, fellowship-trained plastic surgeon based in New York City. He is a co-founder of GAMMA (Gender Affirming Medical and Microsurgical Associates), where he provides safe, affirming, and expert surgical care for transgender and nonbinary individuals. If you are seeking Top Surgery in New York or New Jersey, Dr. Marano is an exceptional choice. More »
Highly skilled Top Surgery specialist in New York City & NJ.
Dr. Drew Marano, MD
GAMMA (Gender Affirming Medical and Microsurgical Associates)
200 South Orange Ave, Ste 295
Livingston, New Jersey 07039
201-449-1000
gammanyc.com
Board-certified; WPATH member; accepts insurance & some NJ Medicaid plans; wait list one month.
More about Dr. Marano »
Dr. Drew Marano, MD
GAMMA (Gender Affirming Medical and Microsurgical Associates)
374 W 11th St.
New York, New York 10014
201-449-1000
gammanyc.com
Board-certified; WPATH member; accepts insurance; wait list one month.
More about Dr. Marano »
Oregon
Dr. Jens Berli, MD
Dr. Juliana Hansen, MD
Dr. Blair Peters, MD
Dr. Monica Llado-Farrulla, MD
Oregon Health & Science University
Transgender Health Program
Plastic and Reconstructive Surgery Clinic,
South Waterfront
3303 S. Bond Avenue, 5th floor
Portland, Oregon 97239
Board-certified; WPATH members; accept insurance, Medicaid (OHP only) and Medicare.
Pennsylvania
Dr. Aneesh Gupta, MD
Jazzi Cosmetic Surgery & Aesthetic Medicine
1528 Walnut St., Suite 200
Philadelphia, PA, 19102
215-999-6695
Board-certified; short wait list; free virtual or in-person consultation; uses informed consent; no BMI limit; accepts financing and insurance (but not Medicaid or Medicare.)
More about Dr. Gupta »
Dr. Kathy Rumer, DO
Rumer Gender Surgery
105 Ardmore Ave.
Ardmore, Pennsylvania 19003
Board-certified; WPATH member; accepts insurance, Medicaid and financing; wait list 2-4 months; $75 consult fee.
More about Dr. Rumer »
Texas
Dr. Curtis Crane, MD
Dr. Ashley DeLeon, MD
Dr. Gerhard Mundinger, MD
Crane Center for Transgender Surgery
5656 Bee Caves Road, Suite J201
Austin, Texas, 78746
Board-certified; WPATH member; accepts insurance and medical financing; $150 consult; wait list: 1 month for consult, 3 months for surgery date.
More about Dr. Crane »
More about Dr. DeLeon »
More about Dr. Mundinger »
Dr. Dany Hanna, DO
Hanna Gender Center
255 Lebanon Rd, Suite 112
Frisco, Texas, 75036
WPATH member; accepts insurance, medical financing, out-of-state Medicaid (not Texas Medicaid), Tricare and financing; $200 consult; wait list: 1 month for consult, 3 months for surgery date.
More about Dr. Hanna »
Dr. Alan Dulin, MD
Dr. Scott Harris, MD
American Institute for Plastic Surgery
1600 Coit Road, #105
Plano, TX, 75093
Board-certified; accepts insurance & medical financing; free consults; wait list 1 month; no drains!
More about Dr. Dulin »
More about Dr. Harris »
Virginia
Dr. Helena Guarda, MD
Plastic Surgery Specialists of Virginia
5833 Harbour View Blvd., Suite B
Suffolk, Virginia 23435
Board-certified; accepts insurance, Medicare & CareCredit; in-person consultations; uses informed consent; 18+ only; short wait list.
More about Dr. Guarda »
Washington
Dr. Javad Sajan, MD
Allure Esthetic
600 Broadway #320,
Seattle, Washington 98122
WPATH member; accepts financing; accepts insurance from multiple carriers; informed consent. Does not accept Medicare or Medicaid (Apple Health.)
More about Dr. Sajan »
Dr. E. Antonio Mangubat, MD
Dr. Lena Weinman, DO
La Belle Vie Cosmetic Surgery Center
16400 Southcenter Parkway, Suite 101
Tukwila, Washington 98188
WPATH member; informed consent; accepts financing and insurance. Does not accept Medicare or Medicaid (Apple Health.)
More about Dr. Mangubat »
More about Dr. Weinman »
Dr. Alvina Won, MD
19930 Ballinger Way NE
Shoreline, Washington 98155
Board-certified Cosmetic Surgeon; free virtual and in-person consultations ($150 for self-pay); accepts financing and insurance from multiple providers. Does not accept Medicare or Medicaid (AppleHealth.)
More about Dr. Won »
Washington, D.C.
Dr. Praful Ramineni, MD
District Plastic Surgery
2440 M Street NW, Suite 801
Washington, DC 20037
Board-certified; WPATH member; accepts insurance; in-person, phone and virtual consultations; wait list 1-2 weeks for consultation, 2-4 months for surgery date.
More about Dr. Ramineni »
Dr. Sarah Eidelson, MD
District Plastic Surgery
2440 M Street NW, Suite 801
Washington, DC 20037
WPATH member; accepts insurance; in-person, phone and virtual consultations; wait list 1-2 weeks for consultation, 1-2 months for surgery date.
More about Dr. Eidelson »
Dr. Gabriel Del Corral, MD, FACS
Medstar Center for Gender Affirmation
110 Irving St NW
Washington, DC 20010
Board-certified; WPATH member; accepts insurance, Medicaid (Maryland and DC only); in-person and virtual consultations; wait list 2-3 months.
More about Dr. Del Corral »
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Browse All Surgeons - Surgeons Who Take: Insurance - Medicare - Medicaid
Last updated: 11/10/25
