Trans Resource Navigator

Gender-affirming care in Michigan

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  • Page changed: Michigan Medicaid Provider Manual (version July 1, 2026), Practitioner chapter, section 3.13 Gender Affirmation Services (2026-10-05) · #144
Care for adults
Allowed
Care for people under 18
Allowed
Michigan Medicaid (including the Healthy Michigan Plan) pays for hormones
Covered
Michigan Medicaid (including the Healthy Michigan Plan) pays for surgery
Covered
Private plans must cover care
Yes, by law

Gender-affirming care is legal for adults and minors in Michigan. Michigan Medicaid and the Healthy Michigan Plan cover medically necessary hormone therapy and surgery. Informed-consent hormone care is available at Planned Parenthood of Michigan (18+), Corktown Health in Detroit, and other clinics. Michigan has no shield law protecting patients and providers from other states' actions.

Draft from official sources, September 24, 2026. Not yet checked by a person. How we verify

On this page
  1. Health centers near you
  2. Hormones by telehealth
  3. Clinics, programs, and funds
  4. Paying for care
  5. Rules for adults
  6. Rules for under 18
  7. Laws and court cases
  8. Sources

Community health centers near you

These federally funded centers must see you whether or not you have insurance, and charge based on income. Many, but not all, prescribe hormone therapy. Call and ask for "gender-affirming care" or "hormone therapy."

Sorting by distance uses your location only on this device. It is never sent anywhere.

Hormones by telehealth

These services prescribe hormones through video visits for people in this state. Point of Pride pays for a year and a half of care with several of them each spring.

  • Plume

    PaidNo Medicaid18+

    Trans-led telehealth service providing informed-consent hormone therapy, lab orders, prescriptions, and letters for surgery and documents, by app and video visit. Self-pay only since January 2026. A Point of Pride HRT Access Fund partner.

    About $99 per month ($90 in NY and NJ), which includes visits, messaging, prescriptions, and document letters. Labs and medications are billed separately and are often cheap with GoodRx or at a community pharmacy. Free for 18 months if you win a Point of Pride HRT Access Fund grant.

  • FOLX Health

    InsuranceTakes insuranceNo Medicaid18+

    LGBTQ-focused telehealth offering hormone therapy, PrEP, primary care, and mental health visits. Accepts major commercial insurance (Aetna, Blue Cross Blue Shield, Cigna, UnitedHealthcare) but not Medicaid or Medicare. A Point of Pride HRT Access Fund partner.

    In-network with many commercial plans; self-pay membership about $69 to $98 per month all-inclusive.

  • Planned Parenthood

    Sliding scaleTakes insurance

    Many Planned Parenthood affiliates provide informed-consent gender-affirming hormone therapy alongside sexual and reproductive health care, on a sliding scale and with Medicaid. Most affiliates see adults 18 and older; a few see 16- and 17-year-olds with parental consent and a readiness letter. Many start hormone care by telehealth. Self-pay initial consults typically run about $120 to $250 before sliding-scale discounts.

Clinics, programs, and funds

  • Planned Parenthood of Michigan, gender-affirming hormone therapy[7]

    Informed-consent hormone therapy (estrogen, testosterone, blockers, microdosing) for ages 18 and older at health centers across Michigan and by telehealth; no mental health referral needed. Injection supply kits are $10 for six months.

    • Cost varies
    • Telehealth
    • Accepts Medicaid

  • Corktown Health[8]

    LGBTQ+ health center in Detroit (and Hazel Park) with primary care, gender-affirming hormone therapy, HIV and STI testing, PrEP and PEP, behavioral health, and insurance navigation. Accepts Medicaid and most plans; primarily 18+, may see patients from 16. 313-832-3300.

    • Insurance
    • Telehealth
    • Accepts Medicaid
    313-832-33001726 Howard St, Detroit, MI 48216

  • Ruth Ellis Health & Wellness Centers (with Henry Ford Health)[9]

    Integrated primary care and behavioral health for LGBTQ+ young people ages 13 to 30, including hormone therapy and surgical referrals, STI and HIV care, and therapy. No out-of-pocket costs for visits, labs, or medications. 313-252-1950.

    • Free
    313-252-195095 Victor St, Highland Park, MI 48203

  • Healthy Michigan Plan (MDHHS)[2][1]

    Michigan's Medicaid expansion for adults 19 to 64 with income at or below 133% of the federal poverty level; work requirements start January 1, 2027. Covers gender-affirming hormones and medically necessary surgery. Apply online through MI Bridges.

    • Low cost

  • Find a community health center (HRSA)[10]

    Official locator for federally qualified health centers, which see you regardless of insurance and charge on a sliding scale. Call and ask for gender-affirming care.

    • Sliding scale
    • Accepts Medicaid
    • Sees uninsured patients

  • Point of Pride funds[11]

    National funds for people who cannot afford care, including the HRT Access Fund for telehealth hormone therapy and an annual surgery fund.

    • Free
    • Unverified

  • Trans Health Project (Advocates for Trans Equality)[12]

    Free templates and guides for appealing insurance denials of gender-affirming care.

    • Free
    • Unverified

Paying for care

Medicaid (Michigan Medicaid (including the Healthy Michigan Plan))[1][2]

The Medicaid Provider Manual (Practitioner chapter, section 3.13) says Medicaid "covers medically necessary gender affirmation/confirming medical, surgical, and pharmacologic treatments and procedures" for people diagnosed with gender dysphoria, and that these are not elective or cosmetic when medically necessary. Providers must follow current WPATH and Endocrine Society guidelines.

Who qualifies: the Healthy Michigan Plan covers Michigan residents 19 to 64 with income at or below 133% of the federal poverty level who do not qualify for Medicare or other Medicaid; other Medicaid programs cover children, pregnant people, and people with disabilities. Work requirements begin January 1, 2027 under federal law, so watch for notices from MDHHS. Apply online at MI Bridges or at your local MDHHS office.

Apply for coverage

Private insurance[5][4][3]

The Movement Advancement Project reports that Michigan bars health insurers from excluding transgender-related care, and the Elliott-Larsen Civil Rights Act (amended in 2023) prohibits discrimination based on gender identity or expression in public accommodations and services. If a plan denies care, appeal with the plan first, then file a complaint with the Department of Insurance and Financial Services (DIFS). Self-funded employer plans are federally regulated; the Trans Health Project has appeal templates.

File an insurance complaint

The rules in detail

Rules for adultsNo state restriction. Planned Parenthood of Michigan and several community clinics prescribe hormones on an informed consent basis, with no therapist…

No state restriction. Planned Parenthood of Michigan and several community clinics prescribe hormones on an informed consent basis, with no therapist letter, and telehealth prescribing is legal.

If you have no insurance and little money, in rough order:

  1. Apply for Medicaid / Healthy Michigan Plan at MI Bridges. It covers hormones, labs, and surgery when medically necessary.
  2. Go to a community health center (FQHC) or LGBTQ+ clinic such as Corktown Health, which take Medicaid and offer financial assistance. Find others at findahealthcenter.hrsa.gov.
  3. Planned Parenthood of Michigan offers hormone therapy at health centers statewide and by telehealth for ages 18 and up.
  4. Point of Pride's HRT Access Fund pays for telehealth hormone care for people who qualify.
[7][8][1][10][11]
Rules for under 18Legal. Michigan has no law restricting gender-affirming care for minors; care follows clinical guidelines and requires parental consent.

Legal. Michigan has no law restricting gender-affirming care for minors; care follows clinical guidelines and requires parental consent. Bills to ban it were introduced in 2025 but none has passed either chamber. Michigan has no shield law, so it offers no special state protection against other states' subpoenas or prosecutions. Ruth Ellis Center's Health & Wellness Centers (with Henry Ford Health) provide hormone therapy for young people ages 13 to 30 at no out-of-pocket cost.

[6][5][9]
Laws and court cases1 law

Sources

12 sources. Numbers in the text, like [1], point here.Show all
  1. Michigan Medicaid Provider Manual (version July 1, 2026), Practitioner chapter, section 3.13 Gender Affirmation ServicesMichigan Department of Health and Human Services, Regulation. accessed
    “The Medicaid program covers medically necessary gender affirmation/ confirming medical, surgical, and pharmacologic treatments and procedures for beneficiaries clinically diagnosed with gender dysphoria.”
  2. Healthy Michigan PlanMichigan Department of Health and Human Services, Official page. accessed
    “Are age 19-64 years. Have income at or below 133% of the federal poverty level. ... Demonstrate work requirements (beginning on January 1, 2027).”
  3. File a complaintMichigan Department of Insurance and Financial Services, Official page. accessed
  4. MCL 37.2102, Elliott-Larsen Civil Rights ActMichigan Legislature, Law. accessed
  5. Michigan equality profileMovement Advancement Project, Organization. accessed
    “Health Insurance Providers Banned from Excluding Coverage for Transgender People 1/1 ... Laws Banning Best Practice Medical Care For Transgender Youth No Negative Law”
  6. HB 4467 of 2025 (gender reassignment procedures or treatment for minors; prohibit)Michigan Legislature, Law. accessed
    “Last Action: REFERRED TO COMMITTEE ON GOVERNMENT OPERATIONS”
  7. Gender-affirming carePlanned Parenthood of Michigan, Organization. accessed
    “PPMI offers hormone therapy for transmasculine, transfeminine, nonbinary, and gender expansive people ages 18 years and older.”
  8. Medical careCorktown Health, Organization. accessed
    “Gender Affirming Care (Hormone Therapy) ... Primarily 18 years of age. However, we may also see patients as young as 16 years old.”
  9. Ruth Ellis Health & Wellness CentersRuth Ellis Center, Organization. accessed
    “Gender-affirming transition care: Hormone therapy, surgical referrals ... clients ages 13 to 30. There are no out-of-pocket costs for doctor visits, lab work, or medications.”
  10. Find a Health CenterHealth Resources and Services Administration, Official page. accessed
  11. HRT Access FundPoint of Pride, Organization. accessed
  12. Trans Health ProjectAdvocates for Trans Equality, Organization. accessed