I recently got health insurance for the first time in 30 years and also had a bilateral orchi (before I got insurance) which allowed me in Georgia to change the sex marker on my ID to F around the same time. I filed my health insurance as F after talking to the insurance company, they said it needs to match my Gov ID, which makes sense. Also, I basically pass as a female without any problems now and I haven't been "clocked" in a long time.
Lately what has been happening is: when I go see a doctor about a non-trans related medical problem and tell the doctor in private I am MTF (I'm not going to hide this from a doctor who is treating me) they or someone in the office changes my records/paperwork from female to male and the next visit there is a big fat M all over everything, the nurse walks into the waiting room with my chart, calling for "Mr ____?" etc.
One doctor sent me to get a CT scan, sent the referral as my being male and I basically had to announce to everyone in their waiting room "Look, I am a MTF transsexual and that is why they, for some reason, have the wrong gender on the referral". Of course this leads to a lot of raised eyebrows and staring. Then I got in a discussion with the guy doing the scan, he kept saying "well what are you?". Finally the manager came back, I told him my ID and insurance says female, so they just dropped it.
Now I am finding out, some of the claims they filed, they used "male only" coding and the claims are getting kicked. I called the insurance company and asked them whats going on. They said they have no problems with paying for the doctor visits (or that I am trans) but they can't pay claims for a female coded as a male.
First of all, should any doctor be "outing me" to the whole office about something I told -him only- behind closed doors? And for Christs sake, they have a copy of my legal ID. Am I going to have to explain to everyone in the doctors office, in earshot of everyone in the waiting room, that I am really a female and to stop changing my charts to male? And now, I get to experience the joy of talking to their billing department, explaining my personal life just to get them to code the claims in a way that I don't have to pay out of pocket... And they possibly will refuse to do this, which means I have to file an appeal with the insurance company for every claim that is filed this way?
I plan to talk to this doctor on my next visit and question him discussing my gender issues outside of the examining room. And also why would they file claims using male only coding. Maybe he just hasn't thought this through or has never dealt with a TG patient before? He seems smart and kind so I can't imagine this is intentional but if it is, probably going to have to find another doctor.