Insurance Benefits for Transgender Students

UC Berkeley’s Student Health Insurance Plan (Berkeley SHIP) covers transgender-specific medical care. Check out our UHS Pride page for more resources for the LGBTQ community.

What does SHIP cover?

  • Hormone therapy – this is covered under the pharmacy benefit.
  • Gender confirmation (reassignment) surgery* – In most cases this is covered at 90% for in-network services after the deductible is met. Considering surgery? How much does surgery cost? We are here to help. Review the steps to get started here
  • Breast augmentation (MTF top surgery)*
  • FTM top surgery*
  • Electrolysis of the neck and face
  • Tracheal shave*
  • Limited travel expenses*
  • Laser hair removal (neck, face) 
  • Fertility preservation*
  • Gender conforming facial surgery including facial feminization*

*Subject to precertification

What is not covered by the plan? 

Cosmetic surgery that is performed to improve gender specific appearance such as:

  • Liposuction
  • Rhinoplasty (unless determined medically necessary as part of gender conforming facial surgery)
  • Face lifts/Facial bone reconstruction (unless determined medically necessary as part of gender conforming facial surgery)

How does it work?

  • We are here to help! Review the steps to get started here.
  • For hormone therapy: Call Clinic 3 at (510) 643-7110 and ask to speak with the clinic nurse.  The clinic nurse can arrange an appointment and prepare you for your visit.
  • For surgery: We strongly advise you make an appointment with a SHIP Case Coordinator at 510-664-9089 for a confidential benefits review of your transgender medical benefits. You will get a better understanding of current insurance coverage requirements and limitations and can be guided to the appropriate next step. 

How to find a preferred provider?

See the list of in-network preferred providers or find providers from Wellfleet Student (listed under "Transgender Services").

Where can I go for more information?

Please see our Services at Tang for Trans and Gender Non-conforming Students page or contact the SHIP office.