How Much Does Top FTM Surgery Cost: Exploring Different Funding Options For FTM Top Surgery

how much does top surgery cost ftm

Date:12 January, 2023

Making the decision to transition medically, including undergoing top surgery FTM, is a big and important one; it’s something most take seriously. But once you’ve made that decision, there are additional questions that need answering: “How much does top surgery cost? Do I have insurance coverage for this procedure? What other options do I have as far as covering the costs?” This can be an intimidating area of transition when preparing financially.

In this blog post, we will explore different funding options available to those looking to get top surgery – from various types of health insurance plans and financial assistance programs to crowdfunding sites and payment plans. Read on for more information about these topics so you have all the resources you need in finding ways to cover your necessary expenses.

Table of Contents:

How Much Does Top FTM Surgery Cost: Exploring Different Funding Options For FTM Top Surgery

What is the top surgery for FTM?

Types of Top Surgery and Their Corresponding Costs

  • Double Incision Surgery
  • Keyhole Surgery
  • Peri-Areolar Surgery

Different Funding Options for Top Surgery

  1. Grants
  2. Crowdfunding
  3. Loans
  4. Insurance Coverage
  5. Savings
Tips on Saving Money to Pay For Top Surgery
  1. Make a Budget
  2. Find Ways to Earn Extra Money
  3. Save Up Your Tax Refund
Final Thoughts

What is the top surgery for FTM?

Top surgery for FTM (female-to-male) is a gender-affirming procedure that involves the removal of breast tissue from individuals whose gender identities are on the masculine spectrum. It's a surgical procedure sought by many transgender male individuals to make their bodies more congruent with the gender they identify with.

The goal of top surgery is to bring comfort, reduce gender dysphoria symptoms and create an aesthetically pleasing chest shape for the individual. While not all transgender males undergo this type of surgery, it can be a huge step in helping them to live their lives openly and authentically.

Additionally, it's also important to know that undergoing top surgery, also known as a mastectomy, is just one part of transitioning as there are other things needed such as hormone therapy along with changes in documentation and pronouns that must be done in order to reflect a person's authentic identity.

Types of Top Surgery and Their Corresponding Costs

Double Incision Surgery

Double incision surgery is a popular option for those who choose to undergo top surgery - a type of gender-affirming and/or body-contouring procedure. This technique works by making two larger incisions around the chest area, which then allow for more access to rearrange strength, excess skin, fat, and breast tissue as needed.

During this surgical technique, both nipples are removed, re-sized, and then repositioned according to individual desires, with additional aesthetic procedures available for further shaping and contouring.

Costs for double incision surgery can vary depending upon the extent of the individual procedure and the provider’s location, but a rough estimate may hover in the ballpark of $6000 or higher. If you plan on choosing this procedure be sure to research your surgeon carefully before committing!

 FTM Surgery Cost

Keyhole Surgery

If you're looking for a top surgery option that will help to reduce, reposition, and reshape the sagging skin on the chest area with minimal scarring, then Keyhole Surgery is a great option.

Keyhole Surgery uses two small incisions that allow doctors to tighten and remove any excess breast skin or fat. This procedure usually takes between one and two hours and can cost anywhere from $3,500 to $7,000 depending on what needs to be done. Recovery time is typically four to six weeks, making it an excellent choice for those who want to speed up their recovery process after surgery.

The results of this procedure alone can be noticeable and permanent; post-surgery Bandages and Steri-strip tapes are recommended immediately after the procedure - however, patients should discuss this with their doctor beforehand.

Peri-Areolar Surgery

Peri-areolar surgery is a type of top surgery that involves making an incision around the areola in order to remove the breast tissue. While some may think that this method is more dangerous or has fewer options for reshaping the appearance, it actually causes less scarring and can result in a tighter size and shape overall.

Depending on the individual, gender-affirming surgery costs anywhere from $4,000 to $8,000 in total; however, insurance often helps to reduce this cost significantly or even reveals much cheaper options. Ultimately, peri-areolar surgery should be viewed as an investment in self-esteem and body confidence that will last a lifetime - so pick your surgeon wisely!

Different Funding Options for Top Surgery

1. Grants

Grants are an increasingly viable funding option for transitioning individuals who need top surgery. Many organizations offer grants to those in search of different therapies and procedures related to gender identity and gender expression. Finding one that covers the cost of top surgery may be difficult, but with enough research and dedication, these organizations may be a great resource.

It can also be encouraging to know that there are organizations out there looking to financially support people regardless of their gender identity or pronouns. Grants are a great way to receive funding for top surgery without having to worry about taking out additional loans or depending on parental support for financial guidance.

2. Crowdfunding

Crowdfunding, an increasingly popular method of raising money for a variety of goals and causes, has become a major way for people looking to get top surgery can acquire the funds to do so. It’s common for individuals to create online Kickstarter or GoFundMe campaigns to share their stories and seek donations for their surgery. These campaigns can be very successful; several have gone viral and have raised thousands, if not tens of thousands, of dollars in mere days or weeks.

Crowdfunding makes it possible for those who are cost prohibitively far from being able to pay out-of-pocket or belong to a medical institution with provisions for gender reassignment surgery like access to insurance funding; many crowdfunding campaigns are fueled by donations from loving friends, family members, and even complete strangers.

Furthermore, crowdfunding empowers people pursuing top surgery with the means to tell their own stories and promote public awareness about issues related to gender identity and equality, ultimately creating more inclusive environments in multiple aspects of our lives.

 how much does top surgery cost ftm

3. Loans

Loans can be a viable option for funding top surgery. With an online personal loan offering unbeatable convenience, individuals now have the opportunity to get their top surgery funded with minimal hassle. Loans provide access to lump sum payments that can go towards covering either some or the entire cost of the gender confirmation surgery, depending on the individual's need and preference.

Though online personal loans may come with slightly higher interest rates compared to traditional bank loans, they eliminate the time-consuming process of manually submitting physical forms at a bank; online loan applications can easily be submitted online and in just a few simple steps.

Additionally, online loan providers often provide flexible repayment plans to suit the individual’s financial situation, making online personal loans an ideal funding solution for chest surgery medical expenses.

4. Insurance Coverage

Achieving the body of your dreams can be an expensive journey, but thankfully health insurance and medical financing companies are offering increasing support for top surgery. In some cases, insurance companies may cover all or part of the cost of top surgery or other plastic surgery.

However, this health insurance coverage is not always guaranteed; in many cases, insurance companies will only cover gender-affirming surgeries that are deemed medically necessary. This means that surgeries such as breast augmentation or reduction may be covered, but surgeries such as nipple grafts or Areola tattooing may not be covered. It is important to check with your insurance company beforehand to see if they offer coverage for top surgery.

Savings

It's no secret that top surgery can be prohibitively expensive. This can mean that many in need of the procedure find themselves unable to afford it - and sadly, often with no clue how to go about funding it. Thankfully, there is one approach available worth considering: savings.

If you have money put away in savings or investments, perhaps squirreling away what you need for the procedure won't be so difficult after all. It may mean cutting down on other luxuries or putting off big purchases, but it could all be worth it when you have the funds ready - and peace of mind too!

Depending on your budgeting skills and financial flexibility, this could be a great option that keeps things simple while taking care of important healthcare expenditures. A flexible spending account or health savings account can also be used to pay for the procedure.

Tips on Saving Money to Pay For Top Surgery

 how much does top surgery cost ftm

1. Make a Budget

Saving up for top surgery can be a daunting task. One of the most important things you can do to streamline the process is to create a budget. Making a budget allows you to track how much money you are bringing in, and how much is going out, and begin to understand areas that can be improved upon in order to save more money each month.

To create a budget, add up your monthly expenses such as food, rent, and transportation costs, and set aside an amount of money that goes towards your top surgery savings. Estimate what kind of medical procedures or services you’ll need and calculate approximately how much those programs will cost; this step may require some research.

If you have $100 saved each month, adjust your expectations accordingly and plan ahead so your goal is within reach within the designated time frame. Establishing mini-goals along the way helps to keep motivation levels high while tracking progress towards the main goal - paying for top surgery!

2. Find Ways to Earn Extra Money

 how much does top surgery cost ftm

One practical way to supplement your income and save up for top surgery is to explore new job opportunities. You could look into part-time jobs in the area, or start freelancing online.

Consider how you can leverage your natural skills/talents – finances are a great motivator. There's also the option of getting creative: offer tutoring services, become a pet sitter or walker, or join an online focus group. Looking further, see if there are local initiatives or programs providing stipends for those interested in helping their communities!

Being resourceful about finding alternative sources of income will be beneficial not just for the physical transition to come, but also equipping you with traits that can help you develop more broadly - courage and resilience being two key ones!

3. Save Up Your Tax Refund

Another great way to save money for top surgery is to save your tax refund each year. Tax time can be both one of the most dreaded, as well as most rewarding, times of the year; making sure that you set aside part – or all – of it for your surgical goals will help you secure the funds you need.

In order to pay for top surgery, you should start budgeting wisely and consider putting a portion from each paycheck into an envelope marked ‘Top Surgery’ throughout the year; this way, when the deadline rolls around and your tax return comes in, you’ll have an account that has increased over time and might be enough to cover your expenses.

By taking control of your expenses and setting financial goals, you can put yourself in a position to reap the rewards when tax season comes back every year!

Final Thoughts

 how much does top surgery cost ftm

The cost of top surgery can be a major expense, but it doesn't have to be an insurmountable obstacle. With the right amount of planning and budgeting, you can make sure you are financially prepared for the procedure.

Consider how much money you need to save up each month, find ways to supplement your income, and remember to set aside a portion of your tax refund each year. With these tips, you can start taking steps towards paying for top surgery and starting on the path to transition!