Gender Mark on Insurance

[GQjoey]

I know I could call the insurance company and ask this, but I'd rather try my luck here

So, I'm in a little bit of a dilemma. I was recently offered insurance through my job. I'm a F2M, on hormones 5+ years, and am still pre-op. The only people at my job that know my background is my boss and an HR guy (My ID still has an F). When I got hired on, I openly told my boss to clear up any confusion if he noticed the F on my license, and he was super cool with it. He talked to HR, and made sure my "profile" on my employee page (I work for a bank) said M.

Which brings me to now. Do I change my gender marker for insurance purposes? Considering my Dr I go to for hormones and check ups is listed as an OBGYN I thought it may look a little odd as to why a male would be seeing her...

I will probably email HR tomorrow and ask, just wondering if anyone here had any experience in this type of situation. Thanks!

[FTMDiaries]

If you change your marker, would that affect your eligibility for certain procedures that you might still need due to the set of organs you currently have? Or would it affect your eligibility for certain surgeries as part of your transition (if you intend to have them)? For example, if you wanted a hysto, would that be refused if your marker said 'M'?

[Padma]

You could always contact your insurance company by phone as a "prospective customer", and ask what their policy is, if you don't want to ask them as you. Say you're shopping around.

[NJade]

I didn't let my insurance company know anything other than the fact I changed my name before GRS. Afterwards, when my employer changed my gender in their system, it reported to my insurance companies. The first thing they did was attempt to nullify my marriage by saying my spouse and I were now in a civil union. I challenged this, as did my employer. The insurance company agreed to maintain my spouse's coverage so long as I did not change my birth certificate so that the name and gender on my marriage license matched my BC. Then they went ahead and changed my gender in their system so I could get the proper services for a woman (which screws me up on prostate exams, but I'll take that problem).

The thing is, you want the coverage you need. If you need female services, you need the insurance company to have you as female, or they will not cover you. It sucks, but there's no getting around it.

N.J.