I am sure that if you look hard enough, you would be able to find an insurance policy that would cover SRS. I lucked out nearly 14 years ago when my employer instituted an insurance policy that permitted SRS with the complete following of all the rules set forth in the Harry Benjamin Standards of Care for Transsexuals. I went through the hoops for over two years and utilized the insurance to pay for my SRS. I later found out that I was only one of two people that made use of the policy to have my surgery. Five years later, my employer was bought out by another company and *THAT* inclusion on the insurance was removed violently by the then CEO of the new company. It seems that he was vehemently anti-gay, -trans, whatever. I feel fortunate that I had mine paid for even though I had to pay for a lot of things up to that point out of my pocket. It wasn't as bad as it would have been financially otherwise but still costly. I wish you luck in your search, you are really going to need it.

Goldie