I suggest a preliminary outline to enhance health care services and recommend the formulation of explicit federal policies regarding the provision of health care services to transgender people in accordance with recently issued medical care guidelines, allocation of research funding, education of health care workers, and implementation of existing nondiscrimination policies. Current policies denying medical coverage for sex reassignment surgery contradict standards of medical care and must be amended. The term transgender is an adjective that has been widely adopted to describe people whose gender identity, gender expression, or behavior does not conform to what is socioculturally accepted as, and typically associated with, the legal and medical sex to which they were assigned at birth. Psychiatrists increasingly agree that being transgender is not an illness to be cured or overcome nor, for that matter, a state that can be altered. However, those who suffer because of the misalignment of their physical characteristics with their gender identity may benefit from treatment.
Health Coverage Guide | National Center for Transgender Equality
This page lays out guidance and resources for questions as they appear on the CEI survey. If you still have questions, contact us at cei hrc. Transgender people access health care for all the same reasons anyone else does, but sometimes their transgender status is regarded by insurance carriers and some care providers as a barrier to care, even when that care is not related to a transition i. When a transition is in process, it may involve one or more types of medically necessary treatments. The effective scope of those exclusions can vary significantly from one insurance plan to another. See Benefits for Transgender Employees and Dependents.
Finding Insurance for Transgender-Related Healthcare
The following insurance carriers have available plans without blanket exclusions for transgender surgery and other trans-related healthcare. Generally, individuals in the U. Many large private sector employers have taken steps to actively remove exclusions on transgender healthcare from their employer provided plans. You can find a list of employers who offer coverage here.
For transgender Americans, access to necessary health care can be fraught with challenges. Section of the Affordable Care Act ACA prohibits discrimination on a wide variety of grounds for any "health program or activity" that receives any sort of federal financial assistance. As of , the Trump administration has finalized new rules that roll back the Obama administration's rules, but they are being challenged in court. ACA Section has been in effect since , but it's only a couple of paragraphs long and very general in nature.