All major health insurance carriers in the united states: Stop Transgender Health-Care discrimination!

Posted: January 10, 2012 in Discrimination, DSM, Education, GID, ICD-10, ICD-9, Insurance, medically necessary, pathologized, politics, Transgender

For a long time the topic of being transgender was something seen as taboo but as it gains more needed traction many medical entities are starting to see that in fact being transgender is NOT a mental illness but a medical condition no different then FAI, heart diseases, or more commonly asthma. But as it has been seen time and time again companies blatantly put discriminatory exclusions to care within 75% of their policies made available to the general public. Making obtaining proper healthcare such as even regular physicians visits nearly impossible for many all because the care is deemed as transition related and immediately kicked back as denied!

Here you can read a complete PDF of what the American Medical Association has said and believes is truth in the matter:

Taking points from this PDF I will quotes the AMA exclusively:

“Whereas, GID, if left untreated, can result in clinically significant psychological distress, dysfunction, debilitating depression and, for some people without access to appropriate medical care and treatment, suicidality and death”

“Whereas, Health experts in GID, including WPATH, have rejected the myth that such treatments are “cosmetic” or “experimental” and have recognized that these treatments can provide safe and effective treatment for a serious health condition”

“Whereas, The AMA opposes limitations placed on patient care by third-party payers when such care is based upon sound scientific evidence and sound medical opinion”

“Whereas, Many health insurance plans categorically exclude coverage of mental health, medical, and surgical treatments for GID, even though many of these same treatments, such as psychotherapy, hormone therapy, breast augmentation and removal, hysterectomy, oophorectomy, orchiectomy, and salpingectomy, are often covered for other medical conditions”

“Whereas, The denial of these otherwise covered benefits for patients suffering from GID represents discrimination based solely on a patient’s gender identity”

These above points gain traction but this point lastly is the biggest one of them all and should be read VERY clearly;

“Whereas, Delaying treatment for GID can cause and/or aggravate additional serious and expensive health problems, such as stress-related physical illnesses, depression, and substance abuse problems, which further endanger patients’ health and strain the health care system;”

The conclusion within the AMA:

“RESOLVED, That the AMA support public and private health insurance coverage for treatment of gender identity disorder (Directive to Take Action); and be it further

RESOLVED, That the AMA oppose categorical exclusions of coverage for treatment of gender identity disorder when prescribed by a physician (Directive to Take Action)”

With these points in mind we find time an time again policies such as this of BCBS, I will only list 2 major exclusions you can read in full here:

“In addition to the specific exclusions listed elsewhere in your Contract, the following General Exclusions apply:

7. Services or supplies we determine are not Medically Necessary.

58. Treatment leading to, or in connection with, transsexual Surgery.”

In question to exclusion 7, who is making these determinations when sound evidence has been shown that transgender treatment is as medically needed as getting me my inhaler? Are these people within the corporate areas even qualified to make sound medical determinations based on notions of many prehistoric unethical medical practices? Are they even medical professionals that truly know and understand the workings of GID and everything the condition truly entails? Or are these pencil pushes half-way reading there own rules and saying no on a bias?

As well in question to exclusion 58, let me tell you from personal experience once the company sees any claim for any thing GID related you account is flagged and everything will be scrutinized and ultimately denied. It could be a regular counseling session because a person is just so depressed and has nothing to do with the condition, DENIED! It could be a normal preventative screening, DENIED! Thanks to exclusions 7 and 58 this company is still going around what has CLEARLY been stated by the AMA as unethical in any medical approach.

I am so sick of losing good friends and people I consider as close as family to depression, risky behaviors due to lack of money to cover care, and in many case them taking their life because they never see themselves being able to get the needed care that has been PROVEN to alleviate the symptoms of said condition.

So I ask you all to come to my aid and take a step that will change the face of healthcare for transgender men and women everywhere. Just as we are working men and women and further more american tax paying citizens why is it possible that some of the leading corporations are not shunned for openly discriminating against us?

Many people think this is a choice but lets ask our self, did you choose to have the medical conditions you have? Or did you choose to make sure they were corrected so you could live a life that was of good quality?

This is the reality of the situation and its time we take action. Anyone with more solid facts you would like to add or any of you that were denied by insurance please feel free to post segments of your denials and/or facts in your additional comments when signing this petition.

One voice stirs the secretaries nerves, 10,000 with wake the CEO up in the middle of the night. If this is as important to you as it it for me and so many others please take the time to sign and pass this along.

thank you all.


  1. Britney says:

    Thankfully my carrier so far has covered all of my therapy, although with a steep copay, HRT medications (with a copay of course) and what really surprised me was they even covered me seeing an OB-GYN, before I had my gender and name legally changed, and still continue to do so.

    I did contact them to see if they would cover SRS and they said no. They’ll cover some things but not the entire treatment? You wouldn’t do only half the treatment for cancer or bi-polar disorder, so why is having GID different?

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )


Connecting to %s