I currently live in Massachusetts, on June 20th 2014 the Massachusetts Department of Insurance now considers exclusion of transgender/transsexual to be sex based discrimination. This includes Hormone Replacement Therapy as well as Genital Confirmation Surgery.
I have a HMO plan, this means that you need a referral for them to cover a visit to a GCS/SRS doctor if they are out of network. This is common, because most HMO networks are restricted to a local area and will not have an SRS/GCS doctor near in the network.
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