'The real issue has been health care'
transgender finance tim chevalier
Name: Tim Chevalier
Age: 32
Hometown: Lexington Hills, Calif.


My job experience has been pretty positive, so I consider myself very privileged in that regard. For me, the real issue has been health care.

I had a transition-related procedure last year and was expecting to pay for that, because my insurance excluded it. Then I got unlucky, and about 10 days after the surgery I had to go to the emergency room. I would have thought my emergency health insurance covered that, but they denied it. So I ended up with total bills of around $50,000.

Related: Transgender job seekers face uphill battle

I get paid pretty generously at my job, but this still adds up to quite a large percentage of my salary. I had just moved into a new apartment. Things were really tight, and when my lease expired I moved to a community with yurts [a domed, tent-like structure] to save money. It's not necessarily what I would choose to be doing, but $750 a month is less than half of what I was paying before.

It's hard because I went to school, got my master's degree, got a professional job -- did everything I was supposed to do. I see a lot of my friends and peers doing really well, and I would be doing well too if I didn't have all this debt.


  @blakeellis3 - Last updated February 25 2013 02:34 PM ET
Find Homes for sale
  • Property Type
  • Find a home in:
    New York | Atlanta | Chicago | Los Angeles
    Washington D.C | Houston | Philadelphia | More options
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.