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Feb. 22nd, 2006 @ 08:56 pm FUCK ANTHEM, FUCK INSURANCE COMPANIES
They've officially declined me, and unless I get a lawyer, or my doctor gets a lawyer there's no way to force them to do anything now. They say they don't pay for gender transformation, but they put a little star there and talk about 'unless symptoms of a underlying biological cause are found'.

WHAT THE FUCK ARE ALL THE TESTS THEY DENIED SAYING.


They deny the tests, so they have no evidence of the damn things, WARGH!
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From:hgryphon
Date:February 23rd, 2006 01:59 am (UTC)
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I'd say go to court.
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From:pathia
Date:February 23rd, 2006 02:03 am (UTC)
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With what money? I'm already heavily in debt.
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From:hgryphon
Date:February 23rd, 2006 02:05 am (UTC)
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It sounds like discrimination to me. Go to an anti-discrimination group.
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From:circuit_four
Date:February 23rd, 2006 03:00 am (UTC)
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Just out of curiosity, any idea, even a vague notion, what ballpark figure you'd need to hire somebody and fight it out?
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From:vond
Date:February 23rd, 2006 03:05 am (UTC)
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Some lawyers will work pro bono, but I don't know what the situations are that cause that to happen.
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From:vanst
Date:February 23rd, 2006 02:05 am (UTC)
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Or cram them into a trash compactor. But then you'd wind up going to court for something else entirely.

But yes, pound them into a mushy lump of stupid with your +5 intersex bat of skullfucking.
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From:rogue_richek
Date:February 23rd, 2006 09:00 am (UTC)
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Call some civil rights groups. The ACLU is a good place to start. There are groups and lawers and people out here that will help you. Talk to your theripist as well. If I remember correctly, you said the (s)he was a specialist in this field, which means hes going to have some experience with situations like this.

Also, psychological reasons are valid for insurance claims. ;D


If you need to talk, about ANYTHING, dont hesitate.

peace and penguins,
Richek
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From:ocean_state
Date:February 23rd, 2006 05:10 pm (UTC)
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I second the comments recommending that you seek out local/national groups that might help you -- the ACLU, Lambda Legal, The HRC, and any organizations in your area. This is complete BS. You, of ALL people, should have air-tight "symptoms of a underlying biological cause."

*hugs* and good luck dealing with this new stress and bullshit.
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From:animakitty
Date:February 23rd, 2006 07:11 pm (UTC)

Yeah...

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I'd say if they have an asterix like that, there was probably a mess in the past over someone else with a similar situation. And precedents are what make cases easy to win over big dumb companies.
From:(Anonymous)
Date:February 24th, 2006 07:30 am (UTC)

i oppose this on my own principles

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i am currently filing complaints with the bbbureau over one of my issues.
i can eventually settle them in court with a 26 dollar fee in small claims.
the original issue was 20 dollars.. but if i win icould probably get all court fees and my parent lawyers say "do this long drawn out process!"


------------------
in my opinion you are girl rich!
you are rich and girl rich!!!


all the things that came later sound like bullshit from an insurance company!

there's a lot of technecalities.. and these realy piss me off because i hate siding with homo stuff. i like my hetero -love.. and i have my happy life.

but you.. all you damn emotional gays keep dealing with issues close to my heart!!!!!!!!!!

so fuck the man! grab a civil union! and dear god give me a key to your damn bathroom!!!!!!!!!!!!!!


(seriously!!!! if you want me to fight for regular rights give me a key!!!!!)


eom
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From:bwcoyoten
Date:February 26th, 2006 05:49 pm (UTC)
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See, the problem is that insurance companies do not make a profit from paying benefits. By definition, paying for an operation of any sort involves losing money.

Secondly, most health insurance companies will not pay for pre-existing conditions, and this would by definition include any genetic conditions such as you and I have discussed in the past.

They put the footnote you refer to into the contract to cover their asses, but when you get down to it, their asses are best financially covered by denying as many claims as they can legally get away with.

I had (and still have) my fingers crossed for you, but you may have to seek outside financial assistance as well as legal assistance in this situation. Only problem with that is, fuck if I know who you'd get that help from.
From:(Anonymous)
Date:April 14th, 2006 01:29 am (UTC)
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In other words, Richard-Rachel, they're telling you that since a test for gender dissonance doesn't exist, they have no compulsion to pay for an accessory surgery. The only serious research done on this topic was done in Holland and done posthumously. Unless you'd like them to have a neurosurgeon cut out your brain and do the tests, you don't have a leg to stand on. I know that's a nasty-sounding view but involving laughingstocks like HRC and the ACLU is just going to motivate the companies to find other ways to undercut you.

I apologize, by the way, for the broad-based assumption that you're a MTF transsexual but since I noticed that you friends-locked much of your LJ a while back, I don't have a way to precisely grasp what the situation is. Finding yer original full name was just an easter egg. ^_~