Transexuals

[I_am_not_mafia]

Should it be covered by a insurance? I don't think so, cosmetic surgery is not covered unless a rare criteria presents its self. A sex change would never fit it as a "necessary" surgery. John who weighs 500 pounds and is at risk would be covered for his surgery to lose weight, John who is a healthy and wants to become Jane cause he feels he is a woman on the inside, should not be covered under his PPO or HMO for a sex change. He would have to pay 100% out of pocket for the sex change.

Yet John who wants to be Jane never asked to be transsexual. John who weighs 500 pounds and is at risk chose to eat that much (unless they have a condition where they can't help it). And both are at risk. John who wants to be Jane won't just get on with life living as a man. Probability is that they'll either find a way or they'll kill themself.

Gender reassignment is not the same as cosmetic surgery. Cosmetic surgery is not necessary.