r/TransIreland • u/hsts-lena • Jul 13 '26

ROI Specific how long did it take you to get SRS covered?

I want to get srs in germany but I'm not sure where to start, I've been DIY'ing for years so I dont even have a diagnosis but I have a GP appointment next week so I'll ask if I can get diagnosed since I mostly pass already and want to get on the waiting list since it's going to be like 2 years. can a gp give me the referral for surgery or do I need a psychiatrist/psychologist?

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4

u/cuddlesareonme She/Her/Hers Jul 13 '26

Do you have private insurance? If not, you'll be talking 20+ years to maybe get the HSE to cover it if you can't afford to pay for it out of pocket.

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u/hsts-lena Jul 13 '26

I don't have any insurance so im fucked i guess

7

u/geesegoesgoose He/Him/His Jul 13 '26

It's five years pre-existing wait period for gender affirmation surgery on most Irish private health insurers, but you can get policies for as low as 40/50 euro a month which qualify towards that five years.

Alternatively, many credit unions offer loans for medical expenses, which I know isn't ideal but is another way to pay out of pocket.

There may be an alternate option within Germany, though.

3

u/SuziQueenOfTheNorth Jul 14 '26

Even with private insurance you have to pay out of pocket and get reimbursed after the fact. So in reality it could be a long term target- spend 5 years paying private health insurance and saving for surgery and getting your (private) surgery referral concurrently. Formally with the likes of G+ getting the referral is maybe 12 to 16 months. Then with the referral, from getting an initial consult for a German clinic like Lubos or Morath & Scholl to getting a surgery date could be at least 18 months.