Zak: First off, I love your tumblr name (huge doctor who fan). But anyway, down to business. The best thing to do is to get in contact with your insurance provider. Someone at the school should be able to help you with this (maybe at the health center or business office). If I were you I wouldn’t elaborate on your situation if you can avoid it because sometimes insurance will cover certain medications but not for off-label use (which is what ftm transition would be). Just straight-up ask if your plan covers prescribed hormones.
What I did was I looked up my plan online and saw that they covered testosterone. I have a fairly major insurance provider (blue cross, blue shield) and so this was easier for me than it might be for you. It took a bit of looking, but I finally found it on a list of specific medications they cover (I had to know the name brand). Anyway, Walgreens also did a good bit of investigative work for me, calling the company and making sure I got a good deal. This has happened for me at multiple Walgreens stores in two different states (Missouri and Florida) so I’m pretty impressed with Walgreens as a chain in general. You may even be able to go in there and ask them this question before you get your script filled.
Good luck and hope you’re able to get your T covered!
Adrian here: SO! I am sitting next to my mother who is the director of operations of MY health insurance and this is what she said. You can either 1) Call the number on your insurance card to find out the number of the Pharmacy Benefit Manager (PBM) your card may even list it specifically. Call your PBM and they should know. OR 2) Take it to a Pharmacy - you’ll do well to go to a major pharmacy like CVS or Walgreens (not a little local pharmacy OR Walmart, mom said Walmart is BAD) And ask them to fill it. They, right there in the store, will dial into the PBM system and determine your eligibility right on the spot. They have to do this so they know what to charge you. You can ask them the amount of the script before they even fill it! There are only like three major PBMs in the country, Caremark, Express Scripts, and the other one my mom can’t think of - but this could even be labeled on your card as well (some times you’ll have a separate card for this).
I hope this helps!