Gender Reassignment and Insurance

I am writing a paper for my MBA class on Gender Identity Disorder and Sex Change Surgery. I would like to know if there are any kind of insurance benefits available for the surgical procedure?

Answer:

Most health insurance policies do not include any kind of coverage for gender reassignment. In fact, recently the US Court of Appeals for the Second Circuit in New York upheld the rights of the insurer and an employee benefits plan to refuse to cover the costs of the surgery and related medical expenses. The three judge panel deemed the surgery to be elective and cosmetic, as opposed to medically necessary.

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