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What if my plan refuses to cover benefits and services related to gender transition?

You have rights. The coverage of transition-related care continues to vary by insurer and state. But you have the right to expect that your plan will cover the services you need as long as those services are covered for other people on your plan. These services may include preventive screenings such as mammograms, Pap tests, and prostate exams; hormone therapy; mental health services; and surgical procedures related to gender transition.

To help you understand your options, we’ve created new 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 your transition-related care is denied, learn how to appeal with your health insurer here. If you face discrimination by an insurer or health provider, contact a legal organization here.

Read about Section 1557 of the Affordable Care Act to learn more about nondiscrimination protections.

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.

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