Well I think that most of this is based on policies not companies. So there are liberal policies that covers a lot of things and very restrictive ones. So not all United Health Care policies are created equal.
I've heard that hormone therapy and maybe histo is covered more often than other stuff, but sometimes people have to fight for these.
This is not based on my own experience though.
My experience though is this. Health care companies want to deny coverage. That's why they can make tons of money. So if there is a way they feel they can deny coverage they will. The love it if you don't fight it.
--Jay Jay