Hi there,
It really depends on your insurance plan I think, and where you are located. Bimmer Guy is right about the Affordable Health Care plans. But I do not know if the provisions of it affect plans that are outside of the ACA.
Speaking from personal experience, after top surgery I updated all of my documentation to my male name and gender, including my health insurance. It is through the Washington DC Healthlink, and DC prohibits plans from excluding trans healthcare. When I inquired with my insurer about procedures that I was planning to have done in the future, they said that they were all covered as surgical benefits at agreed upon percentages based on in-network or out-of-network coverage. I specifically inquired about a hysterectomy, vaginectomy, metoidioplasty/phalloplasty, urethroplasty, scrotoplasty, and the insertion of testicular implants. All covered despite the fact that they have me in the system as male.
I would call your provider and ask if it is something that you worry about. Record the conversation so you have a record of it. If you can email them and get it in writing, that would be even better.
