How could you have no choice not to pay for it? That is as insane as forcing people to buy insurance.
If this is true, we need other therapies ASAP As alternatives to transitioning surgically or hormonal therapy.
Under a standard insurance policy, the “responsible party” - the employed adult - is liable for all medical care received by covered dependents. The adult also has to give consent for treatment, normally. Obviously, that’s the sticking point here: the parents would not consent, so custody of the minor was tranferred to someone who would.
Unclear who’s paying in this situation, but it’s probably the taxpayer.