Health insurance: Difference between revisions
imported>TXJ No edit summary |
(Rescuing 2 sources and tagging 0 as dead.) #IABot (v2.0.9.5) |
||
| (8 intermediate revisions by 4 users not shown) | |||
| Line 1: | Line 1: | ||
{{Incomplete}} | {{Incomplete}} | ||
[[File:Trans Pride 2014 Trans Health.jpg|thumb|"Action for Trans Health" banner at Trans Pride Brighton 2014.]] | [[File:Trans Pride 2014 Trans Health.jpg|thumb|"Action for Trans Health" banner at Trans Pride Brighton 2014.]] | ||
[[Health insurance]] often doesn't cover [[gender]]-validating surgeries or therapies for [[transgender]] people, including [[nonbinary]] people who want a physical [[transition]]. It can be difficult to find an insurer that does, or to persuade one to do so. | [[Health insurance]] often doesn't cover [[gender]]-validating surgeries or therapies for [[transgender]] people, including [[nonbinary]] people who want a physical [[transition]]. It can be difficult to find an insurer that does, or to persuade one to do so. This is because insurance companies often think transgender health care is merely cosmetic and optional. They don't understand that, for many transgender people, it is life-saving and not optional. This transgender rights issue needs to be addressed by [[activism]], so that it will someday be standard for insurance to cover transgender health care. | ||
Many insurance plans exclude coverage for "services, drugs, or supplies related to sex transformation".<ref name="CAP">{{Cite web |title=FAQ: Health Insurance Needs for Transgender Americans |last1=Cray |first1=Andrew |last2=Baker |first2=Kellan |work=Center for American Progress |date=3 October 2012 |access-date=13 April 2020 |url= https://www.americanprogress.org/issues/lgbtq-rights/reports/2012/10/03/40334/faq-health-insurance-needs-for-transgender-americans/}}</ref> When prescribing [[HRT]], some healthcare providers will get around this exclusion by entering the diagnosis as a hormone imbalance. | Many insurance plans exclude coverage for "services, drugs, or supplies related to sex transformation".<ref name="CAP">{{Cite web |title=FAQ: Health Insurance Needs for Transgender Americans |last1=Cray |first1=Andrew |last2=Baker |first2=Kellan |work=Center for American Progress |date=3 October 2012 |access-date=13 April 2020 |url= https://www.americanprogress.org/issues/lgbtq-rights/reports/2012/10/03/40334/faq-health-insurance-needs-for-transgender-americans/|archive-url=https://web.archive.org/web/20211024212034/https://www.americanprogress.org/issues/lgbtq-rights/reports/2012/10/03/40334/faq-health-insurance-needs-for-transgender-americans/ |archive-date=17 July 2023 }}</ref> When prescribing [[HRT]], some healthcare providers will get around this exclusion by entering the diagnosis as a hormone imbalance. | ||
Even when gender transition care is covered, it may be covered only for binary trans people. For example, some insurance plans will only cover [[top surgery]] if the patient reports their [[gender identity]] as male.<ref name="Guajardo">{{Cite web |title=Community rallies behind transgender person seeking breast removal to feel whole |author=Guajardo, Adi |work=KMGH |date=21 April 2021 |access-date=22 April 2021 |url= https://www.thedenverchannel.com/news/local-news/community-rallies-behind-transgender-person-seeking-breast-removal-to-feel-whole |quote=“My insurance doesn’t cover top surgery for nonbinary people,” Taylor said. “The language they have is very male-specific, and they say they need letters from your therapists saying that you identify as male, and I wasn’t going to lie.” |archive-url=https://web.archive.org/web/20230603075838/https://www.thedenverchannel.com/news/local-news/community-rallies-behind-transgender-person-seeking-breast-removal-to-feel-whole |archive-date=17 July 2023 }}</ref> | |||
===USA=== | ===USA=== | ||
Some U.S.A. states have banned insurance companies from excluding transition-related care.<ref name="HRCmap">{{Cite web |title=State Maps of Laws & Policies: Transgender Healthcare |work=Human Rights Campaign |date=2 January 2020 |access-date=13 April 2020 |url= https://www.hrc.org/state-maps/transgender-healthcare}}</ref> Additionally, Medicare covers necessary transition-related care since May 2014 when the exclusion was removed.<ref name="tran_Heal">{{Cite web |title=Know Your Rights: Health Care |author= |work=National Center for Transgender Equality |date= |access-date=13 April 2020 |url= https://transequality.org/know-your-rights/health-care }}</ref> | Some U.S.A. states have banned insurance companies from excluding transition-related care.<ref name="HRCmap">{{Cite web |title=State Maps of Laws & Policies: Transgender Healthcare |work=Human Rights Campaign |date=2 January 2020 |access-date=13 April 2020 |url= https://www.hrc.org/state-maps/transgender-healthcare|archive-url=https://web.archive.org/web/20221011191933/https://www.hrc.org/state-maps/transgender-healthcare |archive-date=17 July 2023 }}</ref> Additionally, Medicare covers necessary transition-related care since May 2014 when the exclusion was removed.<ref name="tran_Heal">{{Cite web |title=Know Your Rights: Health Care |author= |work=National Center for Transgender Equality |date= |access-date=13 April 2020 |url= https://transequality.org/know-your-rights/health-care |archive-url=https://web.archive.org/web/20230304015209/https://transequality.org/know-your-rights/health-care |archive-date=17 July 2023 }}</ref> | ||
Even when transition-related services are meant to be included in insurance coverage, nonbinary individuals can have a harder time than binary trans people getting those services covered. "The 2015 U.S. Transgender Survey found that 31 percent of nonbinary respondents had experienced an issue with their insurance coverage for hormone therapy in the previous year, compared to 24 percent of the general transgender population."<ref name="Compton2019">{{Cite web |title=Neither male nor female: Why some nonbinary people are ‘microdosing’ hormones |last=Compton |first=Julie |work=NBC News |date=13 July 2019 |access-date=6 October 2020 |url= https://www.nbcnews.com/feature/nbc-out/neither-male-nor-female-why-some-nonbinary-people-are-microdosing-n1028766|archive-url=https://web.archive.org/web/20230629202424/http://www.nbcnews.com/feature/nbc-out/neither-male-nor-female-why-some-nonbinary-people-are-microdosing-n1028766 |archive-date=17 July 2023 }}</ref> | |||
Starting January 1, 2019, the Blue Shield of California insurance company allows members to mark their gender identity as female, male, or nonbinary (in addition to marking their [[AGAB|sex assigned at birth]]).<ref name="Knauss">{{Cite web |title=Blue Shield Implements Non-Binary Gender Option |last=Knauss |first=Kevin |work=Insure Me Kevin |date=25 June 2019 |access-date=13 April 2020 |url= https://insuremekevin.com/blue-shield-implements-non-binary-gender-option/ }}</ref> | The Affordable Care Act and other USA laws prohibit sex-based discrimination, and in 2012, the Department of Health and Human Services clarified in a letter that this provision also covers "discrimination based on [[gender identity]] or failure to conform to stereotypical notions of masculinity or femininity".<ref>https://www.scribd.com/document/102169872/HHS-Response-1557-7-12-12 [https://web.archive.org/web/20230202145646/https://www.scribd.com/document/102169872/HHS-Response-1557-7-12-12 Archived] on 17 July 2023</ref> | ||
Starting January 1, 2019, the Blue Shield of California insurance company allows members to mark their gender identity as female, male, or nonbinary (in addition to marking their [[AGAB|sex assigned at birth]]).<ref name="Knauss">{{Cite web |title=Blue Shield Implements Non-Binary Gender Option |last=Knauss |first=Kevin |work=Insure Me Kevin |date=25 June 2019 |access-date=13 April 2020 |url= https://insuremekevin.com/blue-shield-implements-non-binary-gender-option/ |archive-url=https://web.archive.org/web/20230601122331/https://insuremekevin.com/blue-shield-implements-non-binary-gender-option/ |archive-date=17 July 2023 }}</ref> | |||
{{Clear}} | {{Clear}} | ||
====Medicare==== | ====Medicare==== | ||
In April 2018, new cards were issued to all Medicare beneficiaries, and the new cards no longer have a gender indicator.<ref name="Levine">{{Cite web |title=Starting In April: New Medicare ID Cards |last=Levine |first=Carol |work=Forbes |date=6 March 2018 |access-date=16 May 2020 |url= https://www.forbes.com/sites/nextavenue/2018/03/06/starting-in-april-new-medicare-id-cards/#41449f234192}}</ref> However, Medicare's internal records will list the gender from beneficiary's Social Security data.<ref name="NCTE-medicare">{{Cite web |title=Know Your Rights - Medicare |author=National Center for Transgender Equality |work= |date= |access-date=16 May 2020 |url= https://transequality.org/know-your-rights/medicare}}</ref> | In April 2018, new cards were issued to all Medicare beneficiaries, and the new cards no longer have a gender indicator.<ref name="Levine">{{Cite web |title=Starting In April: New Medicare ID Cards |last=Levine |first=Carol |work=Forbes |date=6 March 2018 |access-date=16 May 2020 |url= https://www.forbes.com/sites/nextavenue/2018/03/06/starting-in-april-new-medicare-id-cards/#41449f234192|archive-url=https://web.archive.org/web/20230612235608/https://www.forbes.com/sites/nextavenue/2018/03/06/starting-in-april-new-medicare-id-cards/ |archive-date=17 July 2023 }}</ref> However, Medicare's internal records will list the gender from beneficiary's Social Security data.<ref name="NCTE-medicare">{{Cite web |title=Know Your Rights - Medicare |author=National Center for Transgender Equality |work= |date= |access-date=16 May 2020 |url= https://transequality.org/know-your-rights/medicare|archive-url=https://web.archive.org/web/20230304015209/https://transequality.org/know-your-rights/medicare|archive-date=17 July 2023}}</ref> | ||
For decades, Medicare did not cover transition [[surgery]] due to a policy that categorized such treatment as "experimental." That exclusion was eliminated in 2014<ref name="NCTE-medicare" />, and now Medicare covers certain transition services that are deemed "medically necessary".<ref name="pointofpride">{{Cite web |title=Does Medicare Cover Gender-Affirming Surgery? |author= |work=Point of Pride |date=5 October 2018 |access-date=16 May 2020 |url= https://pointofpride.org/does-medicare-cover-gender-affirming-surgery/|archive-url=https://web.archive.org/web/20230329172251/https://www.pointofpride.org/does-medicare-cover-gender-affirming-surgery |archive-date=17 July 2023 }}</ref> However, depending on where you live, your Medicare local contractor may have specific guidelines for coverage of transition-related care, and the beneficiary may have to file an appeal for services to be covered.<ref name="NCTE-medicare" /> | |||
====Tricare==== | |||
As of June 2020, Tricare (insurance for USA's military service members) "covers [[hormone therapy]] and psychological counseling for gender dysphoria", but generally does not cover gender-affirming [[surgery]] unless a special waiver is obtained. It is unknown if being nonbinary affects these coverages, as the Tricare website only mentions "born one gender, but feels they are the opposite".<ref name="tric_Gend">{{Cite web |title=Gender Dysphoria Services |work=tricare.mil |date=June 18, 2020 |access-date=October 10, 2020 |url= https://tricare.mil/CoveredServices/IsItCovered/GenderDysphoriaServices|archive-url=https://web.archive.org/web/20230630141919/https://tricare.mil/CoveredServices/IsItCovered/GenderDysphoriaServices |archive-date=17 July 2023 }}</ref> | |||
==See also== | ==See also== | ||
* [[ | * [[Gender recognition]] | ||
* [[Charities and groups that benefit gender variant people]] | * [[Charities and groups that benefit gender variant people]] | ||
==External links== | ==External links== | ||
*[http://www.cheatsheet.com/personal-finance/these-insurers-offer-transgender-health-care-coverage.html/ These insurers offer transgender health care coverage] | *[https://web.archive.org/web/20170711183250/http://www.cheatsheet.com/personal-finance/these-insurers-offer-transgender-health-care-coverage.html/ These insurers offer transgender health care coverage] | ||
*[https://www.hrc.org/resources/corporate-equality-index-list-of-businesses-with-transgender-inclusive-heal Corporate Equality Index: List of Businesses with Transgender-Inclusive Health Insurance Benefits] | *[https://web.archive.org/web/20200407160710/https://www.hrc.org/resources/corporate-equality-index-list-of-businesses-with-transgender-inclusive-heal Corporate Equality Index: List of Businesses with Transgender-Inclusive Health Insurance Benefits] | ||
==References== | ==References== | ||
Latest revision as of 01:15, 28 July 2023
 |
This article lacks significant content. You can help the Nonbinary wiki by completing it! Note to editors: remember to always support the information you proved with external references! |
Health insurance often doesn't cover gender-validating surgeries or therapies for transgender people, including nonbinary people who want a physical transition. It can be difficult to find an insurer that does, or to persuade one to do so. This is because insurance companies often think transgender health care is merely cosmetic and optional. They don't understand that, for many transgender people, it is life-saving and not optional. This transgender rights issue needs to be addressed by activism, so that it will someday be standard for insurance to cover transgender health care.
Many insurance plans exclude coverage for "services, drugs, or supplies related to sex transformation".[1] When prescribing HRT, some healthcare providers will get around this exclusion by entering the diagnosis as a hormone imbalance.
Even when gender transition care is covered, it may be covered only for binary trans people. For example, some insurance plans will only cover top surgery if the patient reports their gender identity as male.[2]
USA[edit | edit source]
Some U.S.A. states have banned insurance companies from excluding transition-related care.[3] Additionally, Medicare covers necessary transition-related care since May 2014 when the exclusion was removed.[4]
Even when transition-related services are meant to be included in insurance coverage, nonbinary individuals can have a harder time than binary trans people getting those services covered. "The 2015 U.S. Transgender Survey found that 31 percent of nonbinary respondents had experienced an issue with their insurance coverage for hormone therapy in the previous year, compared to 24 percent of the general transgender population."[5]
The Affordable Care Act and other USA laws prohibit sex-based discrimination, and in 2012, the Department of Health and Human Services clarified in a letter that this provision also covers "discrimination based on gender identity or failure to conform to stereotypical notions of masculinity or femininity".[6]
Starting January 1, 2019, the Blue Shield of California insurance company allows members to mark their gender identity as female, male, or nonbinary (in addition to marking their sex assigned at birth).[7]
Medicare[edit | edit source]
In April 2018, new cards were issued to all Medicare beneficiaries, and the new cards no longer have a gender indicator.[8] However, Medicare's internal records will list the gender from beneficiary's Social Security data.[9]
For decades, Medicare did not cover transition surgery due to a policy that categorized such treatment as "experimental." That exclusion was eliminated in 2014[9], and now Medicare covers certain transition services that are deemed "medically necessary".[10] However, depending on where you live, your Medicare local contractor may have specific guidelines for coverage of transition-related care, and the beneficiary may have to file an appeal for services to be covered.[9]
Tricare[edit | edit source]
As of June 2020, Tricare (insurance for USA's military service members) "covers hormone therapy and psychological counseling for gender dysphoria", but generally does not cover gender-affirming surgery unless a special waiver is obtained. It is unknown if being nonbinary affects these coverages, as the Tricare website only mentions "born one gender, but feels they are the opposite".[11]
See also[edit | edit source]
External links[edit | edit source]
- These insurers offer transgender health care coverage
- Corporate Equality Index: List of Businesses with Transgender-Inclusive Health Insurance Benefits
References[edit | edit source]
- ↑ Cray, Andrew; Baker, Kellan (3 October 2012). "FAQ: Health Insurance Needs for Transgender Americans". Center for American Progress. Archived from the original on 17 July 2023. Retrieved 13 April 2020.
- ↑ Guajardo, Adi (21 April 2021). "Community rallies behind transgender person seeking breast removal to feel whole". KMGH. Archived from the original on 17 July 2023. Retrieved 22 April 2021.
“My insurance doesn’t cover top surgery for nonbinary people,” Taylor said. “The language they have is very male-specific, and they say they need letters from your therapists saying that you identify as male, and I wasn’t going to lie.”
- ↑ "State Maps of Laws & Policies: Transgender Healthcare". Human Rights Campaign. 2 January 2020. Archived from the original on 17 July 2023. Retrieved 13 April 2020.
- ↑ "Know Your Rights: Health Care". National Center for Transgender Equality. Archived from the original on 17 July 2023. Retrieved 13 April 2020.
- ↑ Compton, Julie (13 July 2019). "Neither male nor female: Why some nonbinary people are 'microdosing' hormones". NBC News. Archived from the original on 17 July 2023. Retrieved 6 October 2020.
- ↑ https://www.scribd.com/document/102169872/HHS-Response-1557-7-12-12 Archived on 17 July 2023
- ↑ Knauss, Kevin (25 June 2019). "Blue Shield Implements Non-Binary Gender Option". Insure Me Kevin. Archived from the original on 17 July 2023. Retrieved 13 April 2020.
- ↑ Levine, Carol (6 March 2018). "Starting In April: New Medicare ID Cards". Forbes. Archived from the original on 17 July 2023. Retrieved 16 May 2020.
- ↑ 9.0 9.1 9.2 National Center for Transgender Equality. "Know Your Rights - Medicare". Archived from the original on 17 July 2023. Retrieved 16 May 2020.
- ↑ "Does Medicare Cover Gender-Affirming Surgery?". Point of Pride. 5 October 2018. Archived from the original on 17 July 2023. Retrieved 16 May 2020.
- ↑ "Gender Dysphoria Services". tricare.mil. June 18, 2020. Archived from the original on 17 July 2023. Retrieved October 10, 2020.