I am/have been Female as far back as I can remember. Technically I am MtF. I guess my 'transition' was on and off since 5 or 6 but definitely became who I am at 13 because of self realization after meeting another girl in my situation who just happened to be a kinda neighbor. I can still remember her saying to me "You are like me" and there was the ahhhh moment that I was not alone. Up to now and other than school, I lived my life without telling anyone only because I never had to or have never been in any situations that made it necessary (husbands, etc) -- until now. At the age of 56, and on Easter Sunday no less, I landed in the emergency room with a horrendous problem that affects only male genitals (hydrocele). Ugh, double ugh and triple ugh. I am now at a point where I can begin saving money for my surgery and then this. Time for an orchie to ensure it never happens again.
I will backtrack a little. At the start of the new year, I signed up with Humana for health coverage for myself and my husband. I did state female as I have always stated on any other document I've ever filled out, not even thinking that the above would happen since I have never experienced health problems (I've never been to a hospital before for other than a mammogram). After the claims were submitted by the hospital, I wondered what the insurance company would do when they saw female with male genitalia problems. At first, I noticed the claims were under review with "gender and medical condition do not match". Three of them are still under review. Most of the others have been paid according to the plan. Probably the ones that are not sex specific.
I am hoping to find others that have similar issues with health insurance and how you are dealing or have dealt with it. I have outed myself to the hospital people and to the urologist. While it feels oddly liberating, I cannot help but wonder what ramifications all this will have on my insurance coverage. I want to call and talk with them but sometimes I just do not have the mental strength to tell about my situation because sometimes people make up things in their heads when they do not know you. Any advice? I am all ears.
--If there is anything in this post that needs deleting, please let me know.
