What is/are the transgender-specific benefit(s)?
Certain gender affirming surgeries for transgender students who meet certain criteria will be covered under the Penn Student Insurance Plan (PSIP).

What criteria must be met prior to surgery?
Please see the Clinical Policy Bulletin # 0615 (http://www.aetna.com/cpb/medical/data/600_699/0615.html).

When did the benefits begin?
August 15th, 2010

Will I require a referral from Student Health Service?
A Student Health provider referral is required for care within 25 miles of the University of Pennsylvania.
If a referral is not obtained in advance of service, the benefit is paid at out-of-network level.

What are my deductible and co-payments/coinsurance amounts?
Please refer the policy brochure regarding co-payments and deductibles:

If I have further questions how do I contact the Student Health Insurance Office?
Email: Deborah Olson debolson@upenn.edu