So I did my diligence and am still in doubt. I asked insurance company if they needed letters for grs. They said no and only needed it submitted by the doctor and it would be approved or not. So who needs letters? I know the doctor I am thinking of seeing does. Is this true on Anthems part? Should I call again? Ehhhhh, I hate insurance!!!!
Anthem's CG-SURG-27 document which addresses sex reassignment surgery says you need "two referrals from qualified mental health professionals* who have independently assessed the individual."
I thought that was a little too easy I asked the gentleman and he was like yeah I am looking right at it...so I don't know what he was staring at but, yeah I knew better which is why I asked.