Setting the T in LGBT aside for a moment, this article touches the more general problem of the government compelling insurance companies (in this case, but all companies in general) to provide coverage (or products, services) which the customer does not desire or need. I should be able to buy, and an insurance company should be able to provide, medical insurance that does not cover broken bone injuries but does cover jaundice in my right eye. I should be able to buy a hamburger without ketchup and McDonalds should not be compelled to sell ketchup with all hamburgers.
Also... Must all doctors and hospitals specialize in all things? Does the doctor who now specializes in knee replacement now have to perform cornea surgeries? Does his refusal to perform cornea surgery on a supposedly transgendered person constitute legal discrimination. What if the prospective patient does not identify as a T in LGBT? And must the doctor bake the patient a cake also?
Can I, as a DNA male and biological male and self-identifying male, seek a gynecological exam and pap smear and pregnancy test from a gynecologist, with full expectation that law covers me from discrimination by the gynecologist?
Suppose I seek the same from a dentist? Is the dentist obligated by law to, somehow, examine my non-existent vulva, labia, uterus, and whatever the heck else might (not) be down there?