Transgender exclusions were prohibited in most types of health insurance in ALL states beginning in 2017. In addition, 20 states and the District of Columbia explicitly prohibit transgender exclusions, including in plans available through the Marketplace. In addition to DC, these states are California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, Massachusetts, Michigan, Minnesota, Montana, Nevada, New Jersey, New Mexico, New York, Oregon, Pennsylvania, Rhode Island, Vermont, and Washington.
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 your coverage is denied, learn how to appeal a decision with your health insurer here. If you face discrimination by an insurer or health provider, contact a legal organization here.
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.