More U.S. employers cover sex transition surgery…
January 31st, 2007 by Autumn Sandeen…but few LGBT rights groups insure for sex reassignment surgery, or sometimes even any other transition related expenses.
The San Francisco Chronicle put up a piece today entitled More U.S. employers cover sex transition surgery…
People who change their gender must undergo rigorous mental health evaluations and trial periods that last years, and they sometimes face stigma, but the biggest challenge for many is paying for the process.
In the past few years, however, following the model of San Francisco, some of the world’s largest employers have begun covering surgical procedures, including gender-reassignment surgery, and a host of other related care.
When San Francisco became the first major American employer known to offer comprehensive coverage for gender transitions in 2001, some city officials feared that people who wanted to transition would flock here for work and bankrupt the city’s insurance fund. But it turned out that covering transition surgeries and other treatment — which can cost more than $50,000 — cost the city relatively little, because there was no flood of claims.
General Motors, IBM, Eastman Kodak and Hallmark Cards, as well as the universities of Michigan and California, now include transition-related coverage in their standard employee benefits.
“We took a look at it, the cost was negligible and we said it was the right thing to do,” said David Kaffnoff, a spokesman for Eastman Kodak in Rochester, N.Y. “We don’t sit here in any judgment on how a person chooses to self-identify.”
(More at the link.)
Of course, the reality is most transpeople don’t work at large corporations that pay for transition related expenses, but it’s good to see that businesses are seeing the cost/benefit of providing transgender specific treatment in their healthcare packages.
And of course, the other side of the coin is few gay rights groups insure for sex reassignment surgery:
As large companies expand health benefits for transgender employees, few civil rights organizations for the gay, lesbian and bisexual community have followed their lead.
Representatives of several gay rights groups said they have too few employees to negotiate for transition-related benefits and that the benefits would significantly increase the costs of their insurance premiums.
Still, two organizations — the Human Rights Campaign and the National Center for Lesbian Rights — do pay whatever expenses are incurred by transitioning employees.
“I’ve seen a shift, nearly unanimous consensus, among medical providers that sex reassignment and hormones are necessary for transgender people,” said Shannon Minter, legal director at the National Center for Lesbian Rights, a San Francisco organization with 21 employees and a $3.2 million budget.
“We have reached that point, which is why I think we’re going to see widespread change in insurance practices,” said Minter, who transitioned while working at the law firm. “There are no good arguments left on the other side.”
Mark Roy, spokesman for Lambda Legal, said his organization inquires about coverage during every negotiation with its insurance provider.
“It’s a catch-22,” Roy said. Insurers offer it, he said. “But in reality, nobody can afford it.”
The 100-employee organization does not pay any of employees’ costs for transitioning.
“Our ($11 million) budget would definitely not allow for that,” Roy said.
Other major organizations — the National Gay and Lesbian Task Force, the Gay, Lesbian and Straight Education Network and the Gay & Lesbian Alliance Against Defamation — took the same position.
It’s was relatively easy to add a T to LGB because there are many overlapping issues — discrimination, housing, employment, etc. Yet, the differences between LGB and T people become clearly crystallized when one begins talking healthcare — and as we see, many LGBT civil rights organizations find they just can’t the resources to treat the healthcare issues of LGBT people with parity, because the healthcare costs for T’s are so much higher than for LGB’s.
With transition costs often exceeding a hundred-thousand dollars per transsexual how many transpeople can afford to transition on what non-profits pay their employees? How many donors would give money to LGBT civil rights organizations if they knew thousands of donated dollars went to transition costs for transgender employees?
Idealism has run into the reality of limited resources.
Posted in healthcare, transgender | 3 Comments »





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