Can You Afford Male-to-Female Bottom Surgery?

Male-to-female (MTF) bottom surgery, gender confirmation surgery (GCS), or gender reassignment surgery (GRS) is a significant step in the transition journey for many transgender women. This procedure can be life-changing, helping individuals align their physical bodies with their gender identity. However, the cost of Transfeminine bottom surgery can be substantial, and it’s essential to understand the expenses involved and the available financing options. This blog delves into these aspects to guide those considering this transformative procedure.

The Cost of MTF Bottom Surgery

Your journey to your true self is a priceless one, but the reality of life isn’t that simple. Making your gender affirmation dreams come true takes careful planning. It’s an investment in yourself to ensure you don’t compromise on the quality of your precious life experiences. The cost of transfeminine bottom surgery varies widely depending on the surgeon’s experience, the clinic’s location, the techniques used, and the extent of the procedure.

On average, the cost of male-to-female, or MTF, bottom surgery in the United States ranges from $20,000 to $300,000. Typically, when talking to a surgeon, they will quote you their surgical fee only. Be sure to ask which components are included in the quoted price so that you are not surprised later by any other costs associated with your surgery.

Surgeon’s Fees: The reputation and experience of the surgeon play a major role in the cost. Surgeons with extensive experience in performing gender confirmation surgeries often charge higher fees due to their expertise and successful track records.

Hospital or Clinic Fees: The cost of the operating room, recovery room, any required hospital stay, and the type of facility also impact these costs.

Anesthesia Fees: The administration of anesthesia and monitoring by a licensed anesthesiologist during surgery is critical for patient safety and comfort. These fees vary depending on the anesthesiologist’s experience and the duration of the surgery.

Pre- and post-operative Care: Pre-surgery consultations, medical evaluations, and follow-up appointments may involve additional medical supplies, medications, and support services.

Options for MTF Bottom Surgery

Some transgender individuals prefer a gradual process of surgery options on their transformation journey. At Restore Medical Center, we offer different choices and support patients with complete consultations and explanations of each.

The following procedures, listed from least to most expensive, are available for male-to-female bottom surgery:


The most common transfeminine bottom surgery involves removing the testicles only. This procedure, referred to as a scrotal orchiectomy, reduces testosterone and causes sterility.

Zero Depth Vaginoplasty

Removing the testicles and penis while creating labia without a vaginal canal is known as zero-depth vaginoplasty. This looks the same as a complete vaginoplasty.


The complete transformation of male genitalia into a functional, feminine vagina is called vaginoplasty. This gender-affirming surgery allows penetrative intercourse through penile-inversion techniques with the construction of feminine labia and a clitoris that can be stimulated to achieve orgasm.

Making MTF Bottom Surgery More Affordable

Given the high cost of MTF bottom surgery, exploring various options to make the procedure more affordable is crucial. The following options can make the cost of gender-affirming bottom surgery more manageable:

Insurance Coverage

Many insurance plans now cover gender confirmation surgeries, but coverage varies widely. Checking with your insurance carrier will help you understand what your policy covers. Some policies cover the surgery but may not cover additional costs like travel, anesthesia, or post-operative care. Restore Medical Center is in-network with both Cigna and Aetna. While we may not be in-network with your particular insurance company, if you have out-of-network benefits, we can usually get an exception to have your surgery covered as there is a shortage of surgeons performing these types of procedures in the US.

Medical Loans

Some financial institutions offer medical loans specifically designed to cover the cost of elective surgeries. These loans typically have lower fixed interest rates and payment terms to make managing surgical expenses easier.

Medical Credit Cards

Medical credit cards like CareCredit® have zero to low-interest options when paid promptly, and other plans allow you more time to pay off your balance.

Standard Credit Cards

Using a standard consumer credit card to finance the surgery is also an option, but be mindful of the interest rates. Some credit cards offer promotional 0% APR financing for a certain period, which can be beneficial if you plan to pay off the balance quickly.

Personal Savings

Saving a portion of your income over time is a wise and practical approach to help you accumulate the necessary funds without debt.

Payment Plans

Some surgeons and clinics offer installment plans, allowing you to make monthly payments for your surgery. Discuss this option with your chosen provider to see if it’s available and what the terms are.


Platforms like GoFundMe have been used successfully by many individuals to raise funds for gender-affirming surgeries. Sharing your story with friends, family, and the broader community may also help generate the necessary financial support.

Grants and Scholarships

Various organizations offer grants to help cover the cost of gender confirmation surgeries. Research and apply for these opportunities, as they can provide significant financial assistance.

How to Prepare for MTF Bottom Surgery

Preparation for MTF bottom surgery involves both personal and financial steps to ensure the best possible outcomes.

  • Choosing a Surgeon: Research and select a board-certified surgeon with extensive experience in performing MTF bottom surgeries. Look for reviews, testimonials, and before-and-after photos to gauge the surgeon’s expertise.
  • Consultations: Schedule consultations with reputable gender-affirming surgeons to discuss your goals, medical history, and concerns. A consultation also allows you to understand the techniques offered by the surgeon and the expected outcome.
  • Medical Evaluations: Undergo necessary medical evaluations to ensure you are a suitable candidate for surgery, including blood tests, imaging, and mental health assessments.
  • Hormone Therapy: Most surgeons require patients to be on hormone replacement therapy (HRT) for at least a year before surgery. HRT helps develop feminine characteristics and ensures you are well-prepared for the physical changes post-surgery.
  • Smoking and Alcohol: Stop smoking and limit alcohol consumption well in advance of the surgery date, as these can affect healing and increase surgical risks.
  • Mental Health Support: Ensure you are surrounded by a strong support system, including mental health professionals, to help you navigate the emotional aspects of gender-reassignment surgery and recovery.
  • Logistics: Plan for time off work and arrange for someone you trust to help you during the initial recovery period. Recovery from MTF bottom surgery typically requires several weeks, during which you’ll need support.

Completing these steps and having a solid support network will take some time, during which you can continue saving, raising funds, or meeting the waiting period for gender-affirming insurance coverage to elapse.

If traveling to a different city or state for gender-affirming surgery, be sure to include these costs.

Transfeminine (MTF) Bottom Surgery Specialists in Miami, FL

At Restore Medical Center, our experienced gender reassignment surgeons provide meticulous and compassionate care. As allies of the LGBTQ+ community, we are dedicated advocates for transgender individuals and their rights.

We perform gender confirmation surgeries at our accredited surgical facility, where your privacy and comfort are priorities. We also accommodate out-of-town patients and partner with several insurance companies, including Cigna and Aetna. To schedule your Miami MTF bottom surgery, call 305.865.2000.

Contact Us Today & Start Your Journey

  • This field is for validation purposes and should be left unchanged.

* All indicated fields must be completed.
Please include non-medical questions and correspondence only.