Thank you for seeking health care services at Student Health Services (SHS). We believe every Emory student has the right to be treated with respect, and we strive to make our services accessible to trans, non-binary, and gender nonconforming students.

We understand that pursuing medical and psychological services may feel challenging or uncomfortable. We want to underscore that you have the right to ask questions, advocate for yourself, set boundaries, bring someone with you, and/or refuse particular treatments. We encourage you to be open and honest with your healthcare provider about your body, your behavior, and your concerns.

This page uses traditional medical terminology to refer to body parts in order to be as specific as possible but avoids gendering body parts/bodily functions. We recognize that you may not use these terms to refer to your body, so we hope that you will individualize the information presented here into your own terms and for your own body. We are using the word “trans” as an umbrella term for many different gender identities.

Hormone Replacement Therapy

Some trans and non-binary people use hormones as a part of their transition. It is important to be monitored by a healthcare provider to ensure the hormones you are taking are safe for you.

Hormones need time to work and should be taken exactly as prescribed for you — taking more does not achieve faster results and can be dangerous. Physical changes with hormone therapy might take several years to be fully realized, and many of these changes are not reversible.

Considering hormone replacement therapy?

Hormone replacement therapy (HRT) consultations are provided by Dr. Sonya Haw or Dr. Sharon Rabinovitz on a monthly basis. Follow-up appointments can also be conducted by Elizabeth Schwarze, NP. Appointments are scheduled by calling (404) 727-7551 (press 1) during office hours, or you can schedule your own appointment through the on line appointment system.

Once you start hormones, you will follow up with your healthcare provider every three months for the first year. After that, you will check in less frequently.

Many, but not all, hormone therapies are injectable. Always use a sterile needle when injecting hormones. Sterile needles can be obtained from pharmacies with a prescription.  Buying hormones that have not been prescribed for you can be harmful.


Additional Information about Hormone Therapy

**Note: all other insurance plans have different benefits and coverage - you should contact your insurance provider to find the answers to these same questions.

How can I determine what my total out-of-pocket cost would be under the Emory University Student Health Insurance Plan (EUSHIP) plan? To estimate the total out of pocket costs, you should contact Aetna Student Health at 1-877-261-8403. Staying within the Emory Core network is the preferred option for students on the EUSHIP plan. After the Aetna negotiated discount, you will be responsible for the $25 specialist visit copay, annual deductible of $150 and 10% co-insurance. The maximum out of pocket is $6,850.

Where is Hormone Replacement Therapy mentioned in the summary planned description? The benefit is all inclusive, outlined in the Plan Design and Benefit Summary. 

Should I call the pharmacy before pick-up to determine how much insurance covers? You can call Aetna Pharmacy Management (APM) at 1-888-792-3862.

Do I pay separately for hormones and hypodermic needles? Yes, this is a separate expense. Both are covered under the medical plan. For additional information, contact Aetna Student Health at 1-877-261-8403. 

What does “Payable in accordance with the type of expense incurred and the place where service is provided” mean?  Services will be paid on the same basis as any other service, according to the allowable contracted amount between the insurance company and the facility/provider.

Who will be able to see my insurance bill? As the policy holder on the EUSHIP, all insurance information (i.e. EOB’s, etc) will be sent to you, the member directly. Depending on where the information is sent and the address on file with Aetna, this does not prevent other persons from potentially having access to this information (if sent home, etc.). 

How long does it typically take before I will know what my insurance will cover? You can submit a pre-determination with Aetna Student Heath, to determine whether or not a procedure will be covered. To assist with the process, contact Aetna Student Health at 1-877-261-8403. The pre-determination process generally takes up to 30 days. 

How long after I graduate will the Emory insurance cover my HRT or other bills? Coverage typically remains in force until the end of the policy year. If you graduate in December, coverage will terminate on December 31st. If you graduate in May, you will remain covered until the end of the policy year. Claims will continue to be processed and paid as Aetna receives them and will continue to be covered under the plan as long as services were rendered during the time you were insured. 


EUSHIP and Pre-certification

What is a pre-certification form? Some services must be pre-certified by Aetna beforehand if you want the Plan to cover them. Preferred Providers are responsible for requesting precertification for their services. You are responsible for requesting precertification if you seek care from a Non- Preferred Provider for any of the services listed in the Schedule of Benefits section of the Certificate. If you want the Plan to cover a service from a Non- Preferred Provider that requires precertification, you must call Aetna at the number on your ID card. After Aetna receives a request for precertification, we will review the reasons for your planned treatment and determine if benefits are available.
What does the following statement mean? “If you do not secure pre-certification for the below listed inpatient and outpatient covered medical services and supplies obtained from a non-preferred provider your covered medical expenses will be subject to a $500 per service, treatment, procedure, visit, or supply benefit reduction.” Pre-certification is typically for inpatient services only, although in some cases, outpatient procedures may require pre-certification. Initiating pre-cert, can be done by the patient, by notifying Aetna at least 3 days prior to the procedure. However, the pre-cert is usually carried out by the hospital or medical facility. If not initiated by either party, a $500 penalty/reduction can be imposed. 

Student Health Services

Emory University Student Health Services (EUSHS) provides outpatient care for enrolled Emory students with a valid Emory ID card. International student's spouses, Domestic Partners and unmarried children over 18 years of age are also eligible for primary medical care if they are currently enrolled in the Emory/Aetna Student Health Insurance Plan.

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Atlanta, Georgia 30322

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