Yes. I have heard of people who have been able to have their doctor help them make the case that it is medically necessary, and therefore was covered on insurance. This is definitely an option worth pursuing. I am not sure what the process is, but you might want to contact them and say "I want to get preauthorization for medically necessary SRS and want to know the process for doing this" and see what they say. Even if they say it's not covered, tell them you want to make a formal request and need to know the process. They may require you to have your surgeon or doctor submit the preauthorization request.
I think this is worth a try personally.
As a second (concurrent), your employer can contact your insurance company and ask how much it would cost to have a trans-inclusive plan.
NCTE has shown through several case studies that the cost of covering trans people is very very small (
pennies per covered person per year). I would ask your employer to inquire about having your plan be trans inclusive, and find out the increase in premiums they would need. If it's a high cost, I'd reach out to NCTE and ask for any information they have that can help with the negotiation.
You can also request the exclusions list yourself and see how the language reads. If it doesn't say anything about trans surgery not being covered, then you certainly have a shot at making a case on medically necessary grounds. Most insurance companies will require two evaluations by psychologists recommending medically necessary SRS after GID (GD) diagnosis, and your medical doctor may also need to write a letter recommending SRS as medically necessary and appropriate for you.
If you come armed with this you have a much better shot at getting it approved on any appeal.
