Understanding Insurance & Getting Reimbursed

At Zap House, we’re actively working through the insurance credentialing process with several insurance providers, including Health Partners and Blue Cross Blue Shield of MN. 

We know many of you are eager for us to be in-network with your insurance, and trust us, we’re eager too!

Unfortunately, credentialing can take several months, and the timeline depends on the insurance companies themselves. We’re doing what we can to keep things moving and will share updates as we learn more. In the meantime, Zap House is an out-of-network provider, and payment is due at the time of your appointment. Depending on your plan, you may be eligible for reimbursement through your insurance provider. This page will walk you through how reimbursement works, what steps you’ll need to take, and some important terms to know.

Want to be informed once we are in-network? Join our insurance waitlist using the form at the bottom of this page, and we’ll keep you updated!

Insurance Coverage & Eligibility

Some insurance plans cover or reimburse gender-affirming electrolysis, including hair removal needed for gender-affirming surgery. However, coverage varies by plan, and reimbursement isn't guaranteed.

To avoid unexpected costs, we recommend contacting your insurance company to confirm your coverage and requirements before starting treatment.

Before Starting Treatments

Contact Your Insurance Provider

Call the member services number on the back of your insurance card and ask specifically about electrolysis for gender-affirming care or preparation for gender-affirming surgery.

Keep a record of your conversation: Write down the date, the representative's name or ID, reference numbers, and the information they provide.

Important: If your plan requires documents or prior approval, make sure everything is submitted and approved before starting treatment to help avoid denials.

Ask your insurance provider:

“Is electrolysis covered under my plan for gender-affirming care or preparation gender-affirming surgery?” 

If yes, also ask:

  1. Does my plan reimburse for out-of-network providers?

  2. How much will my plan reimburse?
    Ask about your out-of-network deductible, reimbursement rates, and any limits on sessions, treatment hours, or total dollar amounts.

  3. What documentation do I need to submit?
    Do you need a Prior Authorization (PA) or Medical Necessity Letter? If so, find out who needs to provide it and whether there are specific requirements.

  4. How do I submit my claims?
    Do you submit your superbills online, through your insurance company's app, by mail, or through your healthcare provider?

If your insurance requires a Medical Necessity Letter, Prior Authorization, referral, or other documentation, contact the appropriate healthcare professional to request it.

Accepted provider types may include:

✦ Therapists
✦ Psychologists
✦ Psychiatrists
✦ MDs, DOs, NPs, or PA-Cs

Confirm your insurance company's requirements before requesting documentation.

If approval is required before treatment, wait until it's approved. Starting treatment too soon may result in denied claims or ineligibility for reimbursement.

Send Your Approved Documentation to Zap House

Once you’ve gotten your required documentation approved by your insurance provider, please send Zap House a copy for our records. Having it on file may help reduce the need to resubmit the same documentation with future claims.

Required Documentation & Approval

Once you’ve confirmed your insurance requirements and received any necessary approvals, you can begin treatment at Zap House!

Here’s how reimbursement works:

  1. Pay for your appointment. Zap House is currently an out-of-network provider, so you’ll pay for your treatment directly at each appointment.

  2. Request your superbill. We will provide an insurance-coded superbill (itemized invoice) that includes the information your insurance company needs to process your claim. Please allow up to 7 days to receive your superbill by email.

  3. Submit your claim. Follow your insurance company’s instructions to submit your superbill and any other required documentation. 

  4. Receive reimbursement, if eligible. Your insurance company will review your claim and determine whether your treatment qualifies for reimbursement and how much they’ll cover. Reimbursement amounts and processing times vary by plan.

Treatments & Reimbursement

Things to Keep In Mind

✦ Reimbursement isn’t guaranteed. Even if your insurance representative confirms coverage or approves Prior Authorization, your claim may still be denied.

✦ You’re responsible for confirming your benefits. Check your plan’s out-of-network benefits, deductible, reimbursement rates, and documentation requirements before starting treatment.

✦ Keep your records. Save your superbills, submitted claims, approvals, and any correspondence with your insurance company in case you need to follow up.

We know insurance can be confusing! We’re happy to provide superbills and help clarify the documentation we can supply, but your insurance company is the best resource for questions about your specific coverage and reimbursement.

Important Terms

  • The determination of whether a treatment is medically appropriate and eligible for coverage under your insurance plan.


  • A letter from a qualified healthcare provider explaining why a treatment is medically necessary. Your insurance company determines who can write an acceptable letter.


    *Zap House cannot provide these letters.

  • A letter of approval required by some insurance plans before treatment begins. Your insurance company will tell you whether it’s needed, who must submit it, and what documentation is required.

    It’s usually submitted by the healthcare provider you are working with for gender-affirming care.

    *Zap House cannot request or provide Prior Authorizations.

  • In-network providers have a contract with your insurance company, while out-of-network providers do not. Your plan may still cover or reimburse out-of-network services, depending on your benefits.

  • The insurance company that manages your health plan and determines your coverage and reimbursement benefits.

  • A qualified professional who provides medical or mental health care, such as a doctor, therapist, nurse practitioner, or physician assistant.

  • An itemized, coded invoice from Zap House that you can submit to your insurance company to request reimbursement.

    * A superbill does not guarantee reimbursement.

We'll notify you when we begin accepting insurance plans and share updates as our credentialing process progresses.

Join our insurance waitlist