A woman learns that she has the gene which may cause breast cancer. Despite showing no cancer, and her being perfectly healthy, she asks her doctor for a double mastectomy. This is covered by insurance as preventative surgery.
A trans woman is diagnosed with Gender Dysphoria, and treated with hormone therapy. This includes testosterone blockers (usually Spironolactone in the U.S.) and they are very hard on the liver. [Please note that Spiro also reacts badly with NSAID over the counter drugs like ibuprofen, and can lead to complete renal failure.] She decides to have an orchiectomy, removing her testicles so she can stop taking the dangerous testosterone blockers. This is considered elective surgery and is not covered by insurance.
Can you see the problem here?
The woman in Scenario 1 has no diagnosed condition, and gets preventive surgery covered by insurance. The woman in Scenario 2 has a diagnosed condition, and is being treated for it. However the treatment can cause more serious health issues. But when she wants surgery to prevent liver damage / renal failure, it's considered an elective procedure, and hence not covered by insurance.
The main problem is the woman in Scenario 2 is transgender. Trans people are often misunderstood. People think we choose to be trans. Fact is, we don't. We only make the choice to stop lying about who we are. It moderates a lot of the depression Gender Dysphoria is responsible for. But that opens trans people up to discrimination in housing, employment, and healthcare. It also increases our chances for being harassed, beaten, raped, or murdered.
I'm sorry, but if I could choose to not be trans, I would. It's a difficult life to lead. But I just couldn't lie to the ones I love - I couldn't keep trying to live up to their expectations and trying to play a role that was mis-cast since birth. Over all, I am much happier now. But I require preventive surgery, which is not covered under insurance and it's just frustrating as all bloody hell.
So if you can, please donate to my surgery fund - I need about $6400. No donation is too small. If you can't donate, please share the link.