Gender healthcare: what exactly does het mean? And where do you start when you’re looking for information? Navigating the gender healthcare system can be complicated. Long waiting lists, different healthcare providers, and a maze of options don’t always make it easy to figure out which care is right for you. 

In this blog, we’ve laid everything out for you. Whether you’re just starting your journey, are already in the middle of a care process, or as an ally want to learn more about gender-affirming care: we’ll guide you step by step along the way!

Within gender-related care, there are two branches: psychological care and medical care. 

Psychological care:

People seek psychological gender care for various reasons. Some people want to talk to a psychologist about questions they have regarding their identity, while others seek this as a way to bridge the waiting period until they can receive medical gender care. In principle, any psychologist can provide this counseling. However, we recommend seeking out a psychologist with knowledge and experience in this area, so that they can provide you with care and support that meets your specific needs.

You can also receive psychological gender care as part of a diagnostic process. In the Netherlands, you cannot simply start medical gender care. To do so, you need a diagnosis of gender dysphoria. The diagnosis can only be made by a gender team, a specialized mental health institution, or an independent gender clinic. Not every psychologist is qualified to conduct this process.

You can also request an expert statement either as part of or separate from a psychological treatment program. You do not necessarily need to be receiving psychological gender-related care to do so. However, you must request the statement from a professional who is authorized to issue it. A copayment is often required for this, which varies by professional. Through the Transgenderwegwijzer You can find an expert in your area. You’ll need the expert statement if you want to change your gender designation (F, M) and/or your name on your ID card. Do you want to change your gender designation on your ID card to an X? In that case, you do not need an expert statement, but you can include it in the process if you wish. Would you like to know more about this? Then visit Transgender Network Netherlands For more information.

Medical Healthcare:

If you choose to receive gender-affirming care, a diagnosis of gender dysphoria is usually required first. As part of this process, you’ll work with a gender psychologist to assess a number of factors, such as determining whether you have a social support network that can help you through medical procedures, what coping strategies you use to deal with difficult moments, and whether you have all the necessary information about the medical transition. Once you’ve received a diagnosis from a specialist, you may be referred to one or more providers of medical gender care. This care can be broadly divided into two categories: hormonal care and surgical care.

Hormonal 

You can choose to take hormones or to ‘block’ hormones. There are ‘feminizing’ (estrogen) and ‘masculinizing’ (testosterone) hormones are available. With estrogen, the supply of testosterone is also often ‘blocked.’ Both hormones will cause your body to change. For example, your fat and muscle distribution may change. Testosterone can deepen your voice, and estrogen can cause breast growth. When you take a hormone, the changes you experience, the extent to which they occur, and when they occur vary from person to person. For example, a certain change might occur in one person after just 2 months, while in another it might not happen until 6 months later. Hormones are administered in various ways, such as by applying gel, taking pills, or receiving injections.

Hormones are generally prescribed by endocrinologists. In June 2026, Transvisie published the guide Guidance on Gender-Affirming Hormone Therapy in Primary Care Published. This guide is a practical tool for primary care physicians to support transgender, non-binary, and gender-diverse people in their decision-making process regarding hormone therapy. The goal is to hopefully reduce your wait time. You can show the guide to your general practitioner. Please note, however, that the guide does not guarantee that your general practitioner will prescribe hormones for you. A general practitioner must feel ‘competent enough’ to guide you through this process. In any case, this guide will help you discuss the matter with your primary care physician!

Surgical

In addition to hormones, you can also opt for surgical procedures (surgeries). You can undergo surgery on areas such as your face, vocal cords, Adam’s apple, breasts, uterus, and/or ovaries and genitals. So there are many possibilities, and every surgery is different. Be sure to take the time to thoroughly research the options and how the procedure works.

Maybe you want to start with hormones and then have surgery, or the other way around? Or maybe you only want hormones or only surgery? You can decide for yourself what your process will look like and what order you want to follow. Do you want hormone therapy and surgery? In the Netherlands, you’re often required to wait 6 months between these two steps. 

It’s up to you to decide which steps to take—or not to take—nothing is mandatory! Be sure to read the information carefully so you can make an informed decision and know what to expect.

Who is gender-affirming care for? 

By "gender-affirming care," we mean care that is aimed at people who are trans and/or non-binary, and/or people who experience gender dysphoria. Often, the goal of this care is to affirm a person’s gender identity. Many trans and non-binary people need gender-affirming care, but not everyone does. You don’t have to want or receive gender-affirming care to be transgender or non-binary. You can also experience gender dysphoria without needing gender-affirming care. Everyone has different needs, and that’s totally okay. 

Gender-related care can also be a part of the lives of intersex people. Intersex refers to people born with a body that does not conform to society’s norms for male or female. In the Netherlands, approximately 1 in 200 people are intersex. Some intersex people choose to receive gender-affirming care, but many intersex people still face medicalization: medically unnecessary interventions, such as surgeries or hormone treatments, that are intended to make their body conform more closely to societal ideas about a ’typical’ boy’s/man’s or girl’s/woman’s body. These interventions are often performed without full or informed consent. As you can imagine, this can have major consequences for a person’s mental health and well-being. Intersex people do not need to—and cannot—be ‘cured.’ Intersex people are part of the diversity of different bodies, and that diversity does not need to be altered or ‘fixed.’.

When people think of gender-affirming procedures, they often immediately think of trans and non-binary people. Yet gender-affirming care is much broader than that. Cisgender people also regularly undergo procedures to align their bodies with their gender identity. Examples include a heart transplant, breast augmentation, breast reduction for cis women, or a mastectomy (a mastectomy) in cis men with breast development. All of these treatments can contribute to how a person feels in their body. The main difference is that these forms of gender-affirming care for cisgender individuals are often seen as self-evident, while comparable care for trans and non-binary people is still regularly the subject of debate. 

Step-by-Step Guide: How Do I Get Started with Gender-Affirming Care?

  1. Before you go to your primary care physician, it’s a good idea to do some research on the various gender care providers. Family doctors are often far from aware of all the options available in gender-affirming care, which means you might sometimes end up, unintentionally, in a situation that doesn’t quite match what you’re looking for. When choosing your healthcare provider, keep the following in mind: What is the wait time? What treatments do they offer, and which healthcare providers do they work with? How are you diagnosed? And does your health insurance plan have a contract with this healthcare provider?
  2. Have you made the decision? After that, go see your primary care physician; they can refer you to the gender care provider of your choice. Our most important tip: register with multiple providers at the same time. Wait times for gender care can be very long, and by registering with multiple practices or clinics, you’ll increase your chances of getting help as quickly as possible.
  3. Once you’ve been referred, the waiting begins. It can feel frustratingly long, but fortunately, there are ways to pass the time and experiment with what feels right for you. Consider things like: expressing yourself through clothing, thinking about whether you want to change your name and/or pronouns, telling those around you about your journey, as well as experimenting with possible binders, taping, packers, tucking, or prostheses. In addition, be sure to reach out to peers and like-minded people. Building a community around you helps immensely, so you always have someone to turn to BOHAUS Events!
  4. Once your turn (finally) comes after the waiting period, you can begin your gender care journey! Whether you want hormones, surgery, or psychological support, one thing is certain: you’ll have to share a lot about yourself with a professional. You’ll often be asked (sometimes somewhat uncomfortable) questions about, for example, your childhood, how you’re really doing right now, your sex life, how you experience gender dysphoria, your social support network, and much more. There’s also room during these conversations to discuss your wishes and needs, and what kind of gender-affirming care you’d like to receive. During this phase, you’ll speak with various specialists—from psychologists and psychiatrists to endocrinologists and doctors—to determine together which steps are right for you. 

Where can you receive gender-related care?

Throughout the Netherlands, you can find various providers of gender care, but please note: not every place offers the same services. One organization may offer only psychological counseling or a diagnosis, while another may focus on hormone therapy or provide a combination of both. Fortunately, you don’t have to figure it all out on your own. Transgender Network Netherlands and Transvisie have created a handy overview where you can find almost all providers via transgenderwegwijzer.nl. Our tip: Don’t just look for gender-affirming care providers in your area. Some organizations also offer remote (online) care. This means you can sometimes receive care from someone in Groningen while you’re in Maastricht! 

Good to know if you’re young: Are you 16 or older? Then your parent(s) or guardian(s) no longer have a say in your care; you get to decide all of that on your own. In addition, healthcare providers are not allowed to share medical information with anyone else. This means that starting at age 16, you can receive gender-affirming care completely on your own terms.

Did we miss something? Is there information in this blog that is incorrect (or no longer correct)? Or do you have a question? Please contact us!

2025 is starting to come to an end, which means that everyone die 18 or older should be looking at zijn/haar/diens/hun health care ze benefits! Already heall if you get or want/are going to get gender care in 2026.

This is the moment!
So why is this so important? A health care verzekeraar contracts with health care providers, and each health care verzekeraar determines zelf which health care providers ze contracts with. 

What if you don't do this? Then you may het so zijn that you have to start paying money out of your own pocket unnecessarily. If a health care provider does not he have a contract with the health care provider from whom you receive care, you often have to zelf pay part of it out of your own pocket. Identifying your care needs and finding an appropriate health care provider can therefore save you a lot of money. 

Good to know: Gender care (transgender care) is largely reimbursed from the basic Verze benefit.

What can you think about and pay attention to?

  • Find out what gender care you want/will receive in 2026 and from which health care provider(s) theze care will come.
  • Check on the website of the health care provider(s) with which health care providers zeker ze have a contract hebben for 2026.
  • Is the health care provider die you want to use not yet contracted? Contact your health care providerzekeraar for information and check also with the provider zelf for clearheid.
  • Compare several health care verze benefits with independent comparison site such as Zorgwijzer.nl.
  • Using the previous steps, determine which healthcare providerzekeraar het best suits your healthcare needs.

Important dates

  • December 31: This is the last day to zeggen your current verzekering.
  • Jan. 31: This is the last day to close your health careze benefit for 2026.

Onze tips

We generally recommend about het a combination policy with free/own cueze. This usually allows you to zelf determine which healthcare provider you use, even if your healthcare providerzekeraar does not have a contract with hen heeft. This is especially useful if you don't yet know which health care provider you will get care from, or if you are enrolled with multiple health care providers. Without your own/free cueze you het run the risk that you will not be reimbursed for care at a specific healthcare provider, or that you will have to pay zelf more. Depending on your healthcare providerzekeraar, contracts and het type of care (e.g., GGZ or MSZ*), some of the cost may come out of pocket. Non-contracted GGZ is often partially reimbursed; exactly how much depends on the verzekeraar and het gekozen package.

Set your deductible to €385 and zet het pay in installments on, spreading your deductible. Will you still not meet it? Then you get it back at het end of het year. This way you avoid paying a large sum all at once.

Do you have a low income? You may be eligible for care allowance. You can checken and apply for this through the Taxdienst. 

You can also look at how ethisch responsible and sustainable your health care verzekeraar is. In fact, health care providers sometimes invest hun money in arms trading or fossil energy, which is bad for the world. You can research this through fair-moneyzer.co.uk..

*GGZ = mental healthheid care: because het reimbursement difference in mental health care is small, you can zelf weigh whether a verze benefit with own/free cueze is relevant. Theze care includes expert opinion, diagnostics and psychische help.

MSZ: medical specialistische care: want/get surgicalische- or hormone care, but don't know where yet? Choose a policy with own/free cueze, reimbursement is high and you often don't have to pay anything zelf. Theze care includes surgicalhe or hormone care.

Before taking out a health care ze benefit, do some zelf research on this! Choose a healthcarezekeraar die het best suits your healthcare needs.

What can I kiezen?
We hebrought you the most commonly used gender health care providers and health carezekers, including hun contracts. 

We hebben taken some of the largest health care verzekerers and gender care providers, so not all of them. Under each named verzekeringsconcern, there are several verzekerers, see zorgwijzer.nl for more info on this.

There is undercheid in the table between the GGZ (mental healthheid care) and the MSZ (medical specialistische care). In gender care, het obtaining expert opinion, diagnostics and psychische help falls under mental health care. MSZ includes surgery (gender-affirming surgery) and endocrinology (hormone care).

Do you still have questions after theze blog, or zijn things still unclear? Please send Roan an app or email, hij maybe you can helpen! +31 6 12 29 13 63, roan@bo-diversity.com

Disclaimer: theze table was created with information die available on 15-12-2025, there may be other information known zijn in the meantime. So please zelf still do research on this. 

2025 is coming to an end, which means that everyone who is 18 or older needs to take a look at their health insurance! Especially if you are receiving gender-affirming care, or plan to receive it in 2026

This is the moment!

2025 is coming to an end, which means that everyone who is 18 or older needs to take a look at their health insurance! Especially if you are receiving gender-affirming care, or plan to receive it in 2026. Why is this so important? Health insurers sign contracts with healthcare providers, and each insurer decides for them itself which providers they contract.

What happens if you don't do this? You might end up paying unnecessary costs out of pocket. If your health insurer does not have a contract with the healthcare provider where you receive care, you often have to pay part of the costs yourself. By mapping out your healthcare needs and choosing a suitable health insurer, you can save a lot of money.

Good to know: Gender-affirming care (transgender healthcare) is largely covered by the basic health insurance in the Netherlands.

What should you think about and pay attention to?

Find out which gender-affirming care you want or expect to receive in 2026, and which healthcare provider(s) will deliver this care.

Check the website of the healthcare provider(s) to see which health insurers they have contracts with for 2026.

Is the provider you want to use not yet contracted? Contact your health insurer for more information, and also check with the provider themselves for clarity.

Compare different health insurance plans using an independent comparison website such as Zorgwijzer.co.uk.

Based on the previous steps, decide which health insurer best fits your healthcare needs.

Important dates:

December 31: Last day to cancel your current health insurance.

January 31: Last day to take out a health insurance policy for 2026.

Our tips

We generally recommend a combination policy with free choice of provider. This usually allows you to choose your own healthcare provider, even if your insurer does not have a contract with them. This is especially useful if you do not yet know which provider you will receive care from, or if you are registered with multiple providers. Without free choice, you risk that care from a specific provider will not be reimbursed, or that you will have to pay more yourself. Depending on your insurer, their contracts, and the type of care (e.g. mental healthcare or specialist medical care*), part of the costs may come out of your own pocket. Non-contracted mental healthcare is often partially reimbursed; the exact amount depends on the insurer and the chosen policy.

Set your deductible to €385 and enable payment in instalments, so you pay your deductible spread out over time. If you end up not using it, you will get this money back at the end of the year. This helps prevent having to pay a large amount all at once.

Do you have a low income? You may be eligible for healthcare allowance. You can check and apply for this via the Dutch Tax Authority (Belastingdienst).

You can also look into how ethical and sustainable your health insurer is. Health insurers sometimes invest their money in the arms trade or fossil fuels, which is harmful to the world. You can research this via eerlijkegeldwijzer.nl.

* Mental healthcare (GGZ): because reimbursement differences within mental healthcare are relatively small, you can decide for yourself whether a policy with free choice is relevant. This type of care includes expert opinions, diagnostics, and psychological support.
* Medical care specialist (MSZ): if you want or receive surgical or hormone care but do not yet know where, choose a policy with free choice. Reimbursement is usually high and you often do not have to pay anything yourself. This includes surgical care and endocrinology (hormone treatment).

Before taking out a health insurance policy, make sure to do your own research as well! Choose the insurer that best fits your healthcare needs.

What can I choose?

We have researched the most commonly used gender-affirming care providers and health insurers for you, including their contracts.

We selected a number of the largest health insurers and gender-affirming care providers, but not all of them.

Each insurance group includes multiple insurers; check Zorgwijzer.nl for more information.In the table, a distinction is made between mental healthcare (GGZ) and specialist medical care (MSZ). Within gender-affirming care, expert opinions, diagnostics, and psychological support fall under GGZ. MSZ includes surgery (gender-affirming surgeries) and endocrinology (hormone care).

Disclaimer: this table was created using information available on 15-12-2025. New information may have become available since then. Always do your own research as well.

Do you still have questions after reading this blog, or is something unclear? Feel free to send Roan a message or an email he may be able to help you further!