The OutCenter is now a Champion for Coverage! That means we’ll be sharing even more info & resources about how you can get affordable, quality health insurance!

It’s open enrollment season again! is open for business and ready to help you find health insurance that meets your needs and your budget. Health plans and prices change every year—and the amount of financial help you can get may change too. It’s time to check out your options and find the plan that’s right for you.

Join the millions that have affordable health coverage through! Get covered for essential health benefits, including no-cost preventive services and prescriptions. Enroll by December 15th for coverage starting January 1st.

Nothing has changed when it comes to LGBTQ+ people being protected from discrimination when it comes to health care and health insurance, and coverage continues to improve for trans people. You should never face discrimination in a health care setting simply for being who you are. 

In Michigan, open enrollment on the Health Insurance Marketplace runs Nov. 1, 2021 through Jan. 15, 2022. Choose a plan by Dec. 15 for coverage to start Jan. 1, 2022. Go to for more info.

Special enrollment periods are also available if you’ve experienced a qualifying life event. Learn more.

Big news about transgender healthcare in Michigan!

Starting Nov. 1, all Medicaid providers have to follow new policies in regard to transgender healthcare. We believe these new policies will prevent Michigan Medicaid insurers from arbitrarily denying medically necessary surgeries for transgender Medicaid recipients, because they will have to follow the experts in trans-health care who see these procedures as medically necessary and not cosmetic. This is a very important positive step forward!

The new policy requires all Medicaid insurers to follow the standards of care of WPATH (World Professional Association for Transgender Health) and the Endocrine Society when making determinations regarding the medical necessity of coverage for trans-related health care, including hormone therapy and surgeries.

What was added to the proposed policy (and is now in the final rule) is that for surgeries, there must be a statement by a licensed mental health professional that that patient meets the diagnostic and readiness criteria for surgery, according to WPATH. The licensed mental health professional has to have at least a master’s degree and experience in treating and counseling patients with gender dysphoria. We want members of the transgender community to have access to licensed mental health professionals who will submit letters in support of the medical necessity of surgical procedures.

The OutCenter stands at the ready with an amazing team to help mental and physical healthcare providers gain the competencies they need to provide this kind of patient care.

These providers provide quality healthcare for transgender patients: – Mosaic Health and Healing Arts ( – SAGE Metro Detroit (

For more trans-affirming healthcare providers, check out the search provider feature on the World Professional Association for Transgender Health website:

Did you know that marginalized communities like LGBTQ+ and people of color are disproportionately impacted by COVID-19? Information, access, and aid are essential to helping these communities get the care they need during these challenging times. Through the OutCenter’s new Medicaid initiative, led by Kate Mood and Karen Moldovan, the OutCenter of Southwest Michigan aims to help individuals and health care providers to understand and enroll in Medicaid. Stay tuned for helpful guides and discussion panels with the experts and people like you on all things Medicaid. The time to take control of your healthcare is now.

Do you need help figuring out the Medicaid application process? Karen can walk you through it! Email

Read and download the official project press release here.


Karen and Kate talk Medicaid with Program Coordinator Alex. Alex shares their experiences being on and off Medicaid in their adult life. If you are interested in sharing your story with Medicaid, email us at We would love to hear from you!



In honor of #TransDayofVisibility join Karen and Kate for a conversation with Jay Kaplan, staff attorney with Michigan’s chapter of the ACLU as they discuss the trials and tribulations of trans people trying to access Medicaid and gender affirming services in Michigan (Premiering April 5, 2021):

Join Karen and Kate for a conversation with Alex Gillettt, of Gillett Law LLC for a conversation about LGBT immigration and the limits that immigrants face when applying for social services. Digressions include the vaccine, and enjoying two Alex’s in a Zoom call (Premiering April 19, 2021):

Immigrant Access to Health Care: Participating are Candace Gibson of the National Latina Institute for Reproductive Justice, Matthew Snider of UnidosUS, Ben D’Avanzo of the National Immigration Law Center, and Jaclyn Dean from the National Asian Pacific American Women’s Forum (NAPAWF).

Watch the OutCenter Talks video about Medicaid:

Find out more about Medicaid in the State of Michigan from MiBridges:

View more information on filling out your Medicaid application in this Presentation, provided by Mistelle Sleigh from the Area Agency on Aging:


Medicaid Consultants

Kate Mood – she/her

Kate Mood is a registered nurse and resident of Benton Harbor since 2002, relocating from the Detroit area.  Kate is passionate about social justice. She grew up in the Detroit area, and earned bachelors degrees in human psychology and nursing from Wayne State University.  She went on to work in hospitals, home care, and eventually started her own medical consulting firm, along with partner, Karen Moldovan, where  they both continue to work.  In her free time, she enjoys making digital art and helping out in the community when she can.

Karen Moldovan – she/her

Since becoming a nurse 39 years ago Karen has witnessed the inequities in health care up close and personal, which is one of the things she wishes would just disappear, as well as gender inequality. If it were up to her, everyone in this country would have free healthcare. Her nursing career has ranged from ICU nursing to Home Care. She has been in a 25 year relationship with my wife and business partner and we love to travel in our RV and we have recently decided to try the vegan lifestyle, which has been amazing!