Surgery

Gender Surgery anatomy diagram showing FTM chest masculinization and MTF breast augmentation procedures

Gender Affirmation Surgery 2026: Complete Guide to Real Costs, Insurance Coverage & Week-by-Week Recovery

Top surgery averages $7,500–$8,500. Vaginoplasty can reach $45,000. Phalloplasty up to $63,000. But here's what most guides don't tell you: 32 states now explicitly cover gender affirmation surgery under Medicaid, and Medicare approval rates hit 70–80% when properly documented. This 2026 guide covers real all-in costs, procedure-by-procedure, with the insurance roadmap and week-by-week recovery timeline you actually need.