Trans Resource Navigator

Gender-affirming care in Mississippi

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  • Page changed: Mississippi Insurance Department (2026-10-12) · #261
Care for adults
Allowed
Care for people under 18
Banned
Mississippi Medicaid pays for hormones
Unclear
Mississippi Medicaid pays for surgery
Unclear
Private plans must cover care
No state rule

Adults can legally get hormone therapy and surgery in Mississippi, though few in-state clinics advertise it and telehealth (Plume, QueerMed) fills much of the gap. Puberty blockers, hormones, and surgery for gender transition are banned for anyone under 18 under the 2023 REAP Act, and public funds and Medicaid cannot pay for that care for minors. There is no shield law and no insurance protection.

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

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

If you are under 18, or a parent

The Regulate Experimental Adolescent Procedures (REAP) Act (HB 1125, signed February 28, 2023, effective on passage) bans anyone from knowingly providing puberty blockers, cross-sex hormones, or gender reassignment surgery to a person under 18, and from aiding or abetting it. Exceptions cover people with a medically verifiable disorder (difference) of sex development and treatment of complications. There is no exception for young people already on treatment.

Penalties: doctors and other licensed providers lose their license; patients can sue for damages for up to 30 years after turning 18; the Attorney General must enforce the law. Public funds, state and local government facilities and employees, and Medicaid (Miss. Code § 43-13-117.7) may not provide or pay for this care for minors, and the costs are not deductible from state income tax. Mental health counseling is not banned. The ban is in effect; no court has blocked it.

Families can get navigation help and $500 travel grants from the Campaign for Southern Equality's Trans Youth Emergency Project.

[1][2][11]

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.

  • 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

Paying for care

Medicaid (Mississippi Medicaid)[1][3][4][5][13]

By law, Medicaid cannot cover gender transition procedures for anyone under 18. For adults, the Medicaid Administrative Code has no written exclusion, but also no coverage policy, and MAP reports that Mississippi Medicaid restricts trans-related care. Mississippi has not expanded Medicaid, so most adults without children or a disability do not qualify. If you are denied, ask for the denial in writing and appeal; A4TE's Trans Health Project can help.

Apply for coverage

Private insurance[5][6]

No Mississippi law bars insurers from excluding gender-affirming care, and MAP reports the state employee health plan excludes it. Read your plan's exclusions. If a claim is denied, appeal with the insurer, then complain to the Mississippi Insurance Department. Self-funded employer plans are regulated federally.

File an insurance complaint

The rules in detail

Rules for adultsNo Mississippi law restricts gender-affirming care for adults 18 and older.

No Mississippi law restricts gender-affirming care for adults 18 and older. Options:

  • Telehealth: Plume and QueerMed serve Mississippi. Planned Parenthood Southeast may offer hormone therapy; call to confirm.
  • Open Arms Healthcare Center (Jackson and Hattiesburg) offers LGBTQ-affirming primary care on a sliding scale; ask about hormone therapy.
  • Community health centers (findahealthcenter.hrsa.gov) charge on a sliding scale; ask whether they prescribe hormones.
  • The Campaign for Southern Equality's Trans in the South directory lists affirming providers in Mississippi.

If money is tight: generic estradiol, spironolactone, and testosterone are often inexpensive with discount cards, and Point of Pride's HRT Access Fund can help.

[1][7][8][9][14][10][12]
Laws and court cases2 laws

Sources

14 sources. Numbers in the text, like [1], point here.Show all
  1. HB 1125 (2023), REAP Act, as sent to GovernorMississippi Legislature, Law. accessed
    “A person shall not knowingly provide gender transition procedures to any person under eighteen (18) years of age.”
  2. HB 1125 (2023) bill historyMississippi Legislature, Official page. accessed
    “02/28 Approved by Governor”
  3. Mississippi Medicaid Administrative Code, Title 23 (effective August 1, 2026)Mississippi Division of Medicaid, Regulation. accessed
  4. How to ApplyMississippi Division of Medicaid, Official page. accessed
  5. Mississippi's equality profileMovement Advancement Project, Organization. accessed
  6. Mississippi Insurance DepartmentMississippi Insurance Department, Official page. accessed
  7. LocationsQueerMed, Organization. accessed
  8. Open Arms Healthcare CenterOpen Arms Healthcare Center (My Brother's Keeper), Organization. accessed
    “sliding scale fees for those with no insurance”
  9. Sexual and Reproductive HealthcareOpen Arms Healthcare Center, Organization. accessed
  10. Trans in the South Access ProjectCampaign for Southern Equality, Organization. accessed
  11. Trans Youth Emergency ProjectCampaign for Southern Equality, Organization. accessed
    “These travel grants are renewable four times per year.”
  12. HRT Access FundPoint of Pride, Organization. accessed
  13. Trans Health ProjectAdvocates for Trans Equality, Organization. accessed
  14. Find a Health CenterHealth Resources and Services Administration, Official page. accessed