Transgender. No it is not considered a disability blue cross of minnesota seems to have covered it in the past. My partner is a transgender specialist dr david gilbert.
Not insurance. While I feel for you, as you are trapped inside the body of a different gender, I do not think of it as a true disability; however I do think it is more than just a life choice. In a shrinking world of covered medicine, personally I would rather see government or insurance monies go to persons with serious life threatening conditions. I'm sorry if this sounds cold, it is not, just prioritization.