Are gender reassignment operations medically necessary or are they cosmetic in nature? Insurance companies currently believe the answer is the latter.
Fluke argued in 2011 that denying someone coverage for this was discrimination.
“Transgender persons wishing to undergo the gender reassignment process frequently face heterosexist employer health insurance policies that label [gender-reassignment] surgery as cosmetic, or medically unnecessary and therefore uncovered,” Fluke and Hu wrote for the Georgetown Journal of Gender and the Law.
The review article was titled “Employment Discrimination Against LGBTQ Persons” and appeared in print in 2011.
By some estimates, sex change operations can cost between $15,000 and $20,000; the cost for some procedures can be as high as $50,000. Fluke and other advocates want insurers to cover all such operations. In general, assuming the costs of new coverage mandates tends to raise rates for all enrollees in a given health-care plan.