‼ Urgent Health Insurance/Trans Care Question ‼
Someone I know had a gender-affirming surgery recently that was supposed to be covered by Blue Cross Blue Shield of Michigan. The surgery was done in two parts—one last fall, and one the following spring. It was always planned to be done as two parts; that is how the surgeon always does that surgery. BCBSM is now claiming the second half of the surgery was purely a “cosmetic” surgery because xe has “no history of gender dysphoria”—directly contradicting xer doctors and the documentation BCBSM already accepted to cover the first half of the surgery. BCBSM is now claiming xe is personally on the hook for the >$7,200 bill BCBSM was supposed to cover, and has denied 3 appeals (most recently this morning). What options does xe have?
