I (27) am having a difficult time getting myself to schedule out my top surgery appointment.
For context, insurance won't cover the procedure because they have an explicit exclusion that doesn't cover "sex transformation procedures and the likes." My company's policy is also self-funded, so I cant exactly appeal that decision with insurance.
I got an out-of-pocket estimate of $8000 from my surgeon back in July, and its only good for 6 months after the estimate. Otherwise, I'd have to go through the consult process again and get a new estimate.
My concern is, I don't have the savings to cover the procedure. I can maybe cover like a 1/4 of it, but that's it. I can't really ask any friends for help, and I don't want to have to ask my family. I've tried applying for fiancial aid from the hospital, but I got denied. My only other option is to put it on my credit card/take out a loan and hope I can pay it off next year.
I guess what's stopping me is the uncertainty of where the money is coming from. My surgeon needs the payment 10 days before the procedure, and is booking a few months out, so I'd only have that long to get the amount I need. But I also don't want to wait any longer than I already had to, because with the sociopolitical conflict in the USA I am very very nervous that I might lose my chance at getting the surgery done.
Any suggestions of what I can do? Is it worth putting myself into more debt when I already have money insecurity?