Hacking Your Employers Health Insurance Plan to...
summary
Breaks down actual plan text by comparing Summary Plan Documents and insurers’ clinical guidelines to find deletions and precise additions that guarantee coverage. Cites concrete bad clauses — “services for or leading to sex transformation surgery,” exclusions for facial hair removal, requirements to use distant specialized centers, and a clinical line that claims pubertal suppression therapy is unsafe. Gives hard numbers: 511 inclusive companies in 2016, one third of the Fortune 500, San Francisco surcharge $1.71/month collected $5.8M but paid $380K, and a Williams Institute finding that 86% of companies see no cost increase.
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chapters (6)
- 0:00Start
- 0:32The Problem: Trans Healthcare Insurance Coverage usually has "Blanket Exclusions" on Care for Trans People.
- 11:32Example: Language to Address the issue of Problematic Reimbursement by Gendered Procedure Codes
- 11:52Creating Change in Your Organization: Different Organizations Require Different Approaches
- 17:56Closing Points for Creating a Trans Inclusive Workplace Health Plan
- 19:04Many individuals and Organizations Working to Eliminate Medical Insurance Coverage Discrimination Against Trans People
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