No, being transgender is no longer a preexisting condition. Insurers cannot refuse to sell you a plan or charge you more based on your gender identity or medical history. This is true even if you have been refused coverage in the past. To help you understand your options, we’ve created state-specific Transgender Health Insurance Guides and encourage you to make an appointment with an LGBT-friendly expert who can help you enroll for free.
If you want more information on what your insurance company might cover, check out these medical policies from Transcend Legal – but make sure you look at your own policy too since that’s what will really determine what services are covered.