Transgender Legal Defense & Education Fund (TLDEF) today announced that it has resolved a claim on behalf of a transgender woman who had been denied health insurance coverage for sex reassignment surgery.
Ida Hammer, a 34-year-old New York City resident, applied for pre-authorization for male-to-female sex reassignment surgery in July 2011. MVP Health Care denied her claim on the grounds that the surgery was “cosmetic” and therefore was not covered under the policy. MVP refused to alter its position and denied two internal appeals, even after TLDEF submitted extensive evidence in support of Ms. Hammer’s claim. Only after TLDEF threatened to file a lawsuit did MVP reverse its position and agree to cover the doctor-recommended procedure. MVP stated in its letter authorizing the surgery that “the requested surgery is medically necessary.”
The medical necessity of sex reassignment surgery has been widely recognized in medicine and law. Organizations such as the American Medical Association, the American Psychological Association and the World Professional Association for Transgender Health recognize surgery as medically necessary and support insurance coverage for it. Since the 1970s, numerous state and federal courts have recognized this surgery as non-cosmetic, medically necessary surgery. Even the Internal Revenue Service recognizes transgender-related surgery as medically necessary and tax deductible.