The Affordable Care Act (42 U.S.C. § 18116) prohibits discrimination on the basis of sex, sexual orientation, and gender identity. This means that you should be treated by your medical provider and insurance company with respect and fairness.
Some insurance companies include in their policies “trans exclusions” — they will deny coverage for procedures related to transition. Increasingly, these companies are being encouraged — either through legal action, legislation, or advocacy — to change these policies.
While the Maryland Insurance Agency does not specifically ban insurance companies from denying coverage for transition-related medical procedures, it does confirm that insurance companies should not deny trans* patients coverage for other medical procedures.
If you would like more information about filing insurance claims for transition-related procedures, or have other concerns about your access to health care, contact FreeState Legal Project.