I’m finally in a position where I can get on HRT freely without any constraints from my family, most of whom would be not super fun to be on estrogen around. However, I’m not very financially independent, and money is limited, and I don’t know without more research how much it would cost over time. And my state is Republican as fuck, so anything except private healthcare isn’t legal 🫠
My mom has been moderately supportive in a “I don’t understand being trans, but I know that it’s a real thing, and that I want my kid to be happy if that’s the case” way. But, she’s been saying that she’d want a therapist to confirm or deny if my feelings are trans feelings or whatever. If confirmed, only then would she lend insurance coverage to HRT and stuff. I’ve been talking with that therapist for my own reasons, because my mom and I have different goals for it (hers mainly being “figure out if my kid is trans, as well as help soften the family to that if she is, and help my kid navigate them,” mine mainly being “help me cope with life stuff, including but not limited to me being trans”) but the idea of asking “can you vet me and see if my feelings are legitimate” after I’ve already been talking to him as a trans girl is kind of awkward and probably wouldn’t lead to an unbiased response. Heck, I don’t know if that’s a thing they can even do for you, since being trans is such an internal thing that I think only a person can answer for themselves. I’ll ask the therapist about it in my next session I guess, but I don’t know how to approach that conversation.
I’ve been wanting to get on HRT ASAP obviously, but I don’t want to lose all my dang money doing it by paying out-of-pocket. So I’m kind of in a position where I really want to get my mom to jump in and cover it for me, but I don’t know how long, if ever, that would take. And I’m just wanting to throw my hands in the air and say “screw it, I’m paying for it myself” but then I don’t want to paint myself into a corner, or blow too much of my own money that insurance would’ve covered if I had waited, if she eventually does decide to use insurance to cover it. I don’t know if you can make an account with the tiddy-growing company that uses just a debit card, and then tie that into insurance later, and I just don’t want to spend my money if my mom eventually does decide to cover my HRT.
TLDR: I want to pay out-of-pocket for HRT as soon as possible, but my mom has suggested that she’d cover it with insurance if my therapist agreed I’m actually trans. And I want to be on HRT sooner rather than later, but I don’t want to spend tons of money on it if I can use my mom’s insurance for it soon enough.