1 Department of Health Policy and Management, Bloomberg School of Public Health, Johns Hopkins University , Baltimore, Maryland.
2 LGBT Research and Communications Project, Center for American Progress , Washington, District of Columbia.
LGBT Health. 2017 Aug;4(4):244-247. doi: 10.1089/lgbt.2016.0099. Epub 2017 Jul 14.
Many transgender Americans continue to remain uninsured or are underinsured because of payers' refusal to cover medically necessary, gender-affirming healthcare services-such as hormone therapy, mental health counseling, and reconstructive surgeries. Coverage refusal results in higher costs and poor health outcomes among transgender people who cannot access gender-affirming care. Research into the value of health insurance coverage for gender-affirming care for transgender individuals shows that the health benefits far outweigh the costs of insuring transition procedures. Although the Affordable Care Act explicitly protects health insurance for transgender individuals, these laws are being threatened; therefore, this article reviews their importance to transgender-inclusive healthcare coverage.
许多跨性别美国人仍然没有保险或保险不足，因为支付方拒绝支付医疗必需的、性别肯定的医疗保健服务，如激素治疗、心理健康咨询和重建手术。由于无法获得性别肯定的护理，拒绝覆盖导致跨性别者的成本更高和健康结果更差。对为跨性别者提供性别肯定护理的健康保险覆盖范围的价值进行的研究表明，其健康益处远远超过了承保过渡程序的成本。尽管《平价医疗法案》明确保护跨性别者的健康保险，但这些法律正受到威胁；因此，本文回顾了它们对跨性别包容的医疗保健覆盖范围的重要性。
