There are a few different companies that will pay for top surgery, but they are mostly private companies and not always well known. One company that does pay for top surgery is the Trans Health Care Insurance Program (TCHIP). This program is available to transgender people who live in California and who have insurance through Covered California. TCHIP will cover up to $50,000 of medically necessary transition-related care, including top surgery.
Another company that pays for top surgery is the National Transgender Discrimination Survey (NTDS) health insurance program. The NTDS is a national survey of transgender people living in the United States. One of the questions on the survey asks about access to health care, and specifically whether or not respondents have had any surgeries related to their transition. If someone answers yes to this question, they are then eligible to receive up to $1,000 from the NTDS to help cover the cost of their surgery.
Finally, there are a few individual doctors and surgeons who will occasionally offer pro bono (free) or reduced-cost top surgery to qualified patients. These doctors and surgeons are usually located in larger cities with a high concentration of transgender residents. To find out if there are any doctors or surgeons near you who offer this type of assistance, you can check with your local gender clinic or LGBTQ community center.