Even with legal protections, many insurance plans will still deny medically necessary care because of ignorance, animus, or outdated myths.
You can also fight the denial on your own by:
1. Understand the reason for a denial
The letter you got from your insurance company will say why coverage was denied.
The Transgender Legal Defense and Education Fund has a great tool for understanding denials based on:
2. Appeal the denial
There is often a short amount of time to appeal denials based on medical necessity.
The Transgender Legal Defense and Education Fund has a step-by-step guide to Appealing Health Insurance Denials.