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CostHelper > Health & Personal Care  > General Surgery & Neurosurgery > Sex Reassignment Surgery

Sex Reassignment Surgery Cost

How Much Does Sex Reassignment Surgery Cost?

average costWith Insurance: If Covered, Copays and Coinsurancehigh costWithout Insurance: $40,000-$50,000 Total To $15,000-$50,000+ for Surgery Alone
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Sex reassignment surgery usually involves a series of operations that take place over several months or years. Patients can choose to have some or all of the surgeries.

Typical costs:

  • The total typical cost of a transition usually includes: expenses incurred in the year before surgery, during which hormone therapy, counseling and living full-time as the target sex are recommended; the cost of the surgery and follow-up care; and ongoing costs after the surgery, including hormone therapy for life and continued doctor visits.
  • In the year before surgery, counseling can cost $50 to $200 per session, and letters from two therapists usually are needed for surgery; the total cost of the therapy and the letters can range from under $1,000 to more than $5,000 for that year. And hormone therapy could cost $300 to $2,400 for the year, depending on which hormones are prescribed.[1] offers a detailed financial worksheets and estimates on the all the costs of transition, and estimates that it is typical to spend a total of $40,000 to $50,000 for a mid-range transition, including surgery.
  • For patients not covered by health insurance, the typical cost of a sex reassignment surgery can range from about $15,000 for just reconstruction of the genitals to about $25,000 for operations on the genitals and chest to $50,000 or more for procedures that include operations to make facial features more masculine or feminine. Prices typically depend on the techniques used -- different techniques often are recommended based on body type and patient preference.
  • Price examples include The Philadelphia Center for Transgender Surgery, where basic male-to-female surgery that includes testicle removal, genital surgery and breast augmentation would cost a little over $30,000 while for basic female-to-male surgery that includes mastectomy, areolar reduction and genital surgery, would cost between $12,000 and $25,000 depending on the type of genital surgery chosen. Because different doctors offer different procedures, it is important to check to see exactly what is offered for a certain price.
  • Sex reassignment surgery is covered by some health insurance plans, but most have exclusions. However, employers can choose to add coverage for the surgery to their plans; Goldman Sachs offers it, as does the City of San Francisco. According to[2] , it often is difficult to get sex reassignment surgery covered, and many companies call gender identity disorder a pre-existing condition or have exclusions.
  • For patients covered by health insurance, out-of-pocket costs would include a copay or coinsurance. According to the Human Rights Campaign[3] , which tracks transgender benefits issues, City of San Francisco employees pay 15 percent of the total cost of surgery with an in-network provider and 50 percent with an out-of-network provider, with a $75,000 lifetime maximum allowance.
Related articles: Health Insurance

What should be included:
  • For female-to-male patients, the most common surgeries are: elective bilateral mastectomy, which includes removing tissue and fat and sometimes grafting skin to make a more male-like nipple; metoidioplasty, which involves removing skin and extending the clitoris, usually already enlarged by prescribed hormones, to create a penis, and sometimes lengthening the urinary tract if the patient wants to be able to urinate while standing; or phalloplasty, an alternative to metoidioplasty that involves taking skin from the forearm to create a penis and using skin from the labia to create a scrotum; at least six months after a phallosplasty, testicular and penile implants can be inserted.
  • For male-to-female patients, the most common surgeries are: breast augmentation; elective bilateral orchiectomy, the removal of both testicles through an incision in the scrotum, which reduces the male hormones in the body and allows the patient to reduce doses of prescribed hormones; a tracheal shave, which involves carving away cartilage from the Adam's apple to make it less prominent; and vaginoplasty, using skin and tissue from the penis to create a vagina, clitoris, clitoral hood and labia.
  •[4] offers an overview of common female-to-male and male-to-female operations.
Additional costs:
  • Hormone therapy can cost $25 to $200 per month, depending on which hormones are prescribed. The has an overview of transgender hormone therapy. Usually, an experienced mental health professional must diagnose gender identity disorder in order for hormones to be prescribed.
  • If psychotherapy is required, it can cost $50 to $200 per session for patients not covered by insurance.
  • Male-to-female patients will need to have laser hair removal or electrolysis around their genitals before surgery to prevent hair from growing in the vagina after surgery. Some also choose to have hair removal done on the face. According to[5] , this can cost at least $2,000 and often costs more.
  • For male-to-female patients, aftercare can be very involved, and requires dilating the vaginal opening with a stent.
  • Before or after undergoing surgery, many patients work with voice and movement coaches to help them adjust to living as the new sex. These coaches can cost $30 an hour or more.
  • After surgery, it sometimes is necessary to consult a lawyer or pay fees in order to change the sex on official documents such as the birth certificate, driver's license and passport.
  • Some surgeons offer discounts for a package of multiple surgeries.
Shopping for sex reassignment surgery:
  • Surgeons who perform sex reassignment surgery usually are gynecologists or plastic surgeons. There are only a handful of surgeons specializing in sex reassignment surgery in the United States, and many patients get referrals from other patients or transgender support groups. Or, Becky Allison, M.D., a gay, lesbian and transgender advocate, offers a list of doctors[6] who perform sex reassignment surgery and a list of therapists[7] who deal with transgender issues.
  • Doctors typically follow the recommendations of the Harry Benjamin International Gender Dysphoria Association[8] standards of care for gender identity disorders, which state that before undergoing sex reassignment surgery, an individual should: be 18, or the legal age of consent in their home country; have had one year of continuous hormone therapy, except for patients who cannot do so for medical reasons; one year of living successfully and continuously as a member of the new sex; psychotherapy during that year, if recommended by the patient's mental health professional; and have knowledge of the cost, risks, hospitalization requirements, necessary aftercare for the surgery; and know of competent surgeons who can perform it.
  • Most sex reassignment surgeries are major operations, and risks involved may include pain, swelling, serious complications from anesthesia that could include death, and the need to return for further surgery.
Material on this page is for informational purposes only and should not be construed as medical advice. Always consult your physician or pharmacist regarding medications or medical procedures.
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What People Are Paying - Recent Comments

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male to female
Amount: $0.00 total
Posted by: kyle garrett in new philedelphia, OH.Posted: February 3rd, 2020 04:02AM
i need help ive always been into woman bc i want to be one i dont have hadly any money and i dont think that my family can even come close to the amount and im afraid to talk to them about this i live in ohio
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Need help
Amount: $0.00 total
Posted by: Joshua Dale in Ashland, MO.Posted: January 15th, 2020 03:01PM
Medical Center: Insurance: Blue cross blue shield
I’m a 22 year old male, needing to become female. For the longest time I’ve felt like I’ve been in the wrong body. I’ve never really liked girls and when ever I’m in a relationship with on it just doesn’t feel right. And to make thing even more worse is that I found out that I have a epidurmalcist and it prevents me to have kids. ( I’ve tried). I have supportive friends in my life and I know my family might not support. I’ve tried to come out to them but none believe me and I just want to be happy in the way I’m supposed to be. I want to be a female . Please help me
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Male to female
Amount: $0.00 total
Posted by: Dusten ogle in Cosby, TN.Posted: December 17th, 2019 02:12AM
Medical Center: noneInsurance: none
I'm 23 and I am into girls but I've always found myself wanting to be a girl every since I was 4, I'm to afraid to come out. My family isn't rich so I really need help. I haven't had any therapy or surgery or anything, but this is something I really need I'm in the Tennessee area, PLEASSSE HELP.
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Help female to male!
Amount: $0.00 total
Posted by: Samie in Damascus, VA.Posted: October 31st, 2019 12:10AM
Medical Center: VirginiaInsurance: Medicaid
Hello. My name is samie. I was born a female and ever since I know... I've always feel like my mind is not who my body is. I feel like I'm not me when I'm female. I'm broke and poor. I live with my parents and scared to tell them because I don't want to lose them. I just.. Hate who I am because of how I was born. Please... Can someone help me?
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Male to female
Amount: $0.00 total
Posted by: Clarence compton in Houston, TX.Posted: July 24th, 2019 12:07AM
Medical Center: )noneInsurance: United health medicade
Im a 51 year old male. But i like to become a real female. What do i do??
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Alternatives to insurance, MTF, Also Diagnosed what was formerly Aspergers Syndrome
Amount: $0.00 total
Posted by: Courtney R in Portland, OR.Posted: May 20th, 2019 05:05AM
Medical Center: NoneInsurance: None
I am 38, almost 39, Have know for 30 years what i wanted, but as many have mentioned, family is not always the most understanding.
I had insurance through Kaiser Permanente, but for 6 months, they created a catch 22 for me. One doctor told me I had to undergo 2 years Metal Therapy before she would prescribe the hormones, while my primary doctor said that was never the case.
The psychiatrist I was sent to refused to complete even a basic evaluation on me, until I had been HRT treatments for at least 6 months to a year.
As is, i ended up losing my job because of my transgender choice, and while they hotly deny that was ever the case, the metal and emotional abuse was bad enough that one of my close friends who worked with me was surprised I lasted as long as I had.
I am trying to find alternate solutions to my situation, but would also love to have a more in depth conversation about potential alternative treatment theories I have.
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Male to female
Amount: $0.00 total
Posted by: Justin Bryan (Jasmine Bryan) in Michigan City, IN.Posted: May 8th, 2019 02:05PM
Medical Center: NoneInsurance: None
I have tried to get people to accept me as a girl but no one has yet because I'm still a boy but this was very helpful now I know how much it will cost to get the surgery
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Male to Female
Amount: $0.00 total
Posted by: PrettyJessica in Compton, CA.Posted: March 28th, 2019 10:03AM
Medical Center: idkInsurance: Idk
My name Adrian, im 19 year old. And I’m [Deaf]. Sorry, I little not good English and I try to best English language. I felt like girl. I NEED switch female right now but too late in 19 year old. So can accept switch?
Why I need female because some I not remember and some I STILL REMEMBER AND WONT FORGET. Past I was 3 or ??? I not remember so I was action girl and I felt want love to boys. But I not yet kiss never.
My house near there my friend or cousin so my family went to hand out or something. I was with two boy in swimming background. Lots playing when I finish then I went to bathroom and I asked one boy then we was sexual. Not long. Only short like 5 second my asshole only. Middle school: when teacher leave then I still action girl with other friends boys/girls and bus too.High School: still action girl. Hugs to boys. I did telling few boys I REALLY want switch female then seem okay fine.Graduation: I feel NEED now and I don’t know what I do with my parents. They not accept
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Amount: $0.00 total
Posted by: Max Mitchell in Orangevale, CA.Posted: March 17th, 2019 01:03PM
I'm turning 18 in a week and my family knows that I'm bisexual and they're supportive of that. But I feel like they think I'm joking about saving money to do the surgery, and I get bullied at school by some of the other boys in my classes. Most of my friends understand and support this decision I've made, and I'm kind of scared to tell my girlfriend that i might do the surgery. I mean she already knows how I feel and identify, but I haven't told her about the surgery yet.
But that's not what's scares me, it's that I might get disowned by my entire family. I just wish I had more support then I do right now.
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M to F Sex Reassignment
Amount: $0.00 total
Posted by: Matthew McLean in Southbridge, MA.Posted: February 19th, 2019 08:02PM
Medical Center: N/AInsurance: Mass Health & Blue Cross Blue Shield
I'm 25 and live in Massachusetts. I need to find a place that's reliable, anyone have suggestions? (Also my BCBS insurance is gone at 26 yo) [email protected]
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Amount: $0.00 total
Posted by: Kayty Ramos in jonesborough, TN.Posted: December 16th, 2018 01:12PM
Medical Center: IdkInsurance: None
I am 27 female and have been wanting to be a guy since I was 13. I have never done it but honestly have been feeling here lately I really want to get it done. I need help finding everything I need and I don't have insurance.
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Facial Hair Removal
Amount: $11,000.00 total
Posted by: Leeza in Oceanside, CA.Posted: November 11th, 2018 09:11AM
Medical Center: ElectrolisysInsurance: None
I am an older MtF transgender person, 53. As female, people think I'm about 30. I take very good care of my skin. I am about 85% cleared of facial hair, it has taken an hour a week for nearly 3 years. at this pace I should be done and moving on to Hormones and then implants in another 6 months. this was expensive but was the biggest step in becoming passable, I now have many attracted partners. I did have a fairly heavy Scottish beard which was very dense and lighter in color, eliminating me as a candidate for laser. I am Paying for this out of pocket, but I understand My medical insurance carrier Kaiser does under some circumstances pay for Hormone therapy, but not much else.
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Female to Male
Amount: $0.00 total
Posted by: Brad (Bethanie) in Hutchinson, KS.Posted: May 16th, 2018 11:05AM
Medical Center: NoneInsurance: None
I have been wanting to get a gender change for years. Many people have told me that I am to be the girl i was born to be, but as many people see my clothing choices, you could see who I feel I am. I would love the help to make my dream come true.
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MTF, help on what insurance to get.
Amount: $0.00 total
Posted by: Benjamin Hopkins in Salt Lake City, UT.Posted: March 28th, 2018 11:03AM
I live in Utah and wondering if I need to move out of state to further progress my transition?
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Amount: $0.00 total
Posted by: Kales in Windsor, CA.Posted: March 13th, 2018 10:03AM
Medical Center: NoneInsurance: None
I’m 27 and been waiting to get a sex change since I was 14-15 and been hiding the way I feel forever only ever told one person and still today only that one person knows and I won’t lie I’m nervous but the reason I want to do it is cuz I find I’m way more attracted to women I just want to know if there are easier ways of doing it or is there only one way I know I would never be able to afford it but it’s my biggest dream
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Amount: $0.00 total
Posted by: A Teen in Muscatine, IA.Posted: March 10th, 2018 09:03PM
Medical Center: NoneInsurance: None
I've been me all my life and everyone makes fun of me for being gay so to me I would be easier to get the surgery but I never told my family because the y won't support me and I know this I just wish for some advice
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Amount: $0.00 total
Posted by: Alisha Mattice in Syracuse, NY.Posted: February 11th, 2018 06:02PM
Medical Center: Health CenterInsurance: Medicaid
I came out when I was 13 years old and I have been a happy, proud lesbian and woman for years. However, now since I have turned 30, my emotions and thought process has totally changed. I try to shake it but I can't. This is driving me insane! What should I do?
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2 years of therapy?
Amount: $0.00 total
Posted by: Malia in Dallas, OR.Posted: January 12th, 2018 02:01PM
Medical Center: N/AInsurance: N/A
I'm a 19 year old male to female transgender. I came out over 2 years ago and I have thought about it for over 10 years how I fit in with the girls more than the boys. And how I hate being called a "boy" and "he".
So why is it that male to female transgenders are REQUIRED to have a year of each of the 2 therapys? And do FtoM need it too? My family already don't call me what I am, and the Sergey Is going to cost a fortune, and I think my mom would take me off the insurance if I wanted to use it. The last thing I need are therapists eating up more time and money. I have already had a few sessions with a therapist about it, and I would be finally happy to enjoy the change while I am still Yong, preferably before I am 20. I just want to get on with my life. Please help me out.
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Amount: $0.00 total
Posted by: Rihanna Yavealynn Coast in Lexington, TN.Posted: September 19th, 2017 12:09PM
Medical Center: Insurance: None as of right now
I have been pondering this for a long time and now I am willing to change my gender to a female kinda nervous how many surgeries do I have to go through in order for me to become a full fledged female bc I want this process down quick as possible I'm not going to lie I'm super nervous for this change
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Amount: $0.00 total
Posted by: HybridXeno in Phoenix, AZ.Posted: September 9th, 2017 10:09PM
Medical Center: ?Insurance: None
So how many sessions of counseling do you have to go through to be able to get the sex change?
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Financial support for MTF SRS
Amount: $3,600.00 total
Posted by: Dawn48 in Saint Joseph, MO.Posted: August 19th, 2017 08:08AM
Medical Center: NoneInsurance: None
I am in need of additional financial support for completion of my transition. Mostly the cost of electrolysis and surgery. It would be wonderful to afford a complete SRS but I would settle on minimal genital reconstruction. I would appreciate any and all help. Thank you 😊
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Amount: $0.00 total
Posted by: a user in Jonesboro, LA.Posted: August 10th, 2017 02:08AM
Medical Center: Insurance: Medicaid
I have been a transgender person about 45 yrs my husband James don't want me to get the surgery. We are legally married. I do love him, he love's me the way iam.
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Amount: $0.00 total
Posted by: a user in INTERLAKEN, NY.Posted: June 1st, 2017 03:06PM
I've always wanted to be a female (I am currently a male), and just seeing how much it would cost me I would still love to get it done. But I want a good doctor that isn't even more pricey.
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Seriously Considering F to M Reassignment Surgery Plus a Name Change
Amount: $0.00 total
Posted by: Reeghan W. [Saving Up to Become 'Finnian Burke' or 'Danny Ember'] in Ocala, FL.Posted: May 11th, 2017 12:05AM
Medical Center: ?Insurance: None (As far as I know)
Now, as even the most recent years appear to be passing me by, I realize that anytime I've seen something gay and cute, my mind has already imagined something similar involving my own self. Really, I'll shamelessly admit that I like it. I want to become a guy. Seriously, I do. It's just that... as I look into things like this, the costs and additional costs for activities and meet-ups I'm required to partake in beforehand for evaluation are terrifying. Even with the costs and everything laid out, I also begin to panic when I see these additional costs for meet-ups and evaluations in general. Like my original mindset, I begin to get finicky when I can't figure out what I'm supposed to do first. Obviously I know that the actual surgeries ate last and vastly more expensive than all of the rest, but that's about all I actually know. I'm sad and worried that I won't get the money I need, especially since my family would much rather watch me drop dead than get a sex change.
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Amount: $0.00 total
Posted by: Coolbod in Long Beach, CA.Posted: April 26th, 2017 12:04PM
Medical Center: Insurance: kaiser and VA
I have just started over the counter hrt and I feel free for the first time! I feel good.Im older and had the most macho man life a man could have. Problem is that I felt and loved everything about women. except that baby thing. Now it feels as though the weight of the world is off my shoulders and I am gonna b me!
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Female to Male Surgery Needed
Amount: $0.00 total
Posted by: RobinTheSecondB/cSomeoneHasThisHandle in Johnson City, NY.Posted: April 22nd, 2017 09:04PM
Medical Center: NoneInsurance: None
I hate this, my friends try to understand how hard it is and how much it hurts when my professors or siblings or others call me a 'girl'. I hate that label so much, I don't like my body, quite frankly I hate it. I realized something was off with the way I felt compared to others when I was in 3rd grade. All of my friends were male because I couldn't connect to any of the girls in my class. They all acted differently than me and I was just more relatable to males. I've started saving up for my surgery and the people I'm seeing are helping as much as they can, I am a male and I want my body to be what I am because it sucks. People always ask me,'so you want to be a man?' And it drives me insane because I AM a man I'm just trapped in this bloody body, I need my body to match my mind because right now they're a mess.
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Amount: $0.00 total
Posted by: Worried women in Jacksonville, FL.Posted: March 31st, 2017 08:03PM
Medical Center: Insurance: BCBS
I was born with MRKH syndrome and I have had vaginoplasty back in 1998. However, the Dr who had done the surgery decided without even asking me or discussed with me. My problem is I want to reconstruction to where it can be more deeper than only 5 inches deep. I'm married but my husband keep asking me why my vagina is not deeper and felt like something is blocking. I want to know how much is cost for such surgery. Appreciate your answer.
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Need help
Amount: $0.00 total
Posted by: Bobbie Marie Stevens in Cicero, IL.Posted: March 10th, 2017 10:03AM
Medical Center: Any that will help meInsurance: Medicaid
Ever since I was a little boy, I always new that something was wrong. I'd dress up in my sister's clothing. I liked being around girls not boys. I'd like girl games etc. I Hurd that some states that Medicaid would pay for the reassignment surgery and breast augmentation. But I don't know what to do,how to go about it. I don't live in a state that covers the surgery. I don't know if I need to live there for a period of time or if I can just go there and have it done. I need someone's help. I'm only on disability and that's not going to get the LIFE I should of had the day I was born. I also was born with a cleft lip and pallet. Witch made my life 1,000,000 times worse. Please help me. I don't know what to do anymore.
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Female to male
Amount: $0.00 total
Posted by: Tara N Facio in Rogers, AR.Posted: February 26th, 2017 06:02AM
Medical Center: NoneInsurance: None
I have been scared to do surgery. I don't feel comfortable in my body I try not to look at myself in the mirror. I can't stand myself. I need to feel comfortable. I have never done any therapy or any hormones shots or pills or anything I don't know where to go I live in Arkansas and here they look down on you for that. I need help to get started.
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I need a Male to Female Reassignment
Amount: $0.00 total
Posted by: Keira in Franklin, PA.Posted: February 10th, 2017 03:02PM
Medical Center: Insurance: None
My Insurance will not cover it, though I am hopeful that I can get the surgery I need and be happy in life again I already have the mindset of a woman but I need to find someone that will do this surgery in the franklin area and hoping payment arrangements. I wish I could say I was happy as I am but I have all my life wanted to be woman.
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Amount: $15,000.00 total
Posted by: LISA Anderson in Montreal, Other.Posted: December 7th, 2016 04:12AM
Medical Center: Clinique di Surgerie Montreal QuebecInsurance: None
I had mine in 1995 by Dr Menard. He, his staff and facility were amazing. I was 26 when I had surgery. I wish it could have been sooner. I was already living in the correct gender for 8 years and had been on hormone therapy for 2 years. I was very feminine looking already so I didn't need breast implants or facial feminizing,
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Need help
Amount: $0.00 total
Posted by: Tyishia in Flint, MI.Posted: November 10th, 2016 10:11AM
Medical Center: NoneInsurance: None
Hello my name is tyishia and i am currently a female seeking for major help to become the man that i know i can be i have been doing alot of research and haven't had much luck but i am now 22 and i have been trying since i was 18 and i need more help but i really need more advice help
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I'm not even sure
Amount: $0.00 total
Posted by: Nerine in Fruita, CO.Posted: September 29th, 2016 08:09AM
Medical Center: NoneInsurance: Anthem
I've been thinking recently about what would make me as an individual happy and I'm not sure what I should do. I came to the conclusion I'd be happier as a woman but don't understand why. How does one explore such a concept?
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Amount: $0.00 total
Posted by: Allen Mane Asura in Orem, UT.Posted: September 25th, 2016 04:09PM
I feel like I need this done, but the costs are way too overwhelming. Hope to eventually be female to male.
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Need help with the 20% not covered
Amount: $0.00 total
Posted by: Laura(Trent) in OTISVILLE, MI.Posted: July 17th, 2016 07:07AM
Medical Center: PrivateInsurance: Medicare
I'm a 50yr.old woman that finally decided to stop being what everyone else thought was acceptable. I have been on hormone therapy for a year now. I've been out as being gay for most of my life. Since I was 16 years old. I really need to have a mastectomy part of the surgery as soon as possible. I'm not getting any younger. LOL I've always felt well since I was a child, but I am having trouble coming up with the 20% that Medicare does not cover. I am disabled and unable to come up with that kind of money, being on very low income. Right now I am just interested in having it upper body surgery, I'm worried about the lower part later. Thank you
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