All states have different mandates for how health insurance companies must cover gender reassignment surgery. You'll need to start by finding the rules in your state!
Fortunately some states have mandated coverage in plans available via the state’s health insurance exchange.
Many health plans are still using exclusions such as “services related to sex change” or “sex reassignment surgery” to deny coverage to transgender people for certain health care services.
Because of this, you should always look at the complete terms of coverage that are included in the “Evidence of Coverage,” “Certificate of Coverage,” or "Summary of Benefits."
You can access these documents by viewing each plans details on Stride's recommendation page. This will contain the full explanation of which procedures and services are covered or excluded under each plan.
On Stride, every plans' full summary of coverage can be accessed by clicking the unique link that will look like this:
Note: Plans might use different language to describe different kinds of exclusions. Look for language like “All procedures related to being transgender are not covered.” Other terms to look for include “gender change,” “transsexualism,” “gender identity disorder,” and “gender identity dysphoria.”
You can find more information here at the -> National Center for Transgender Equality