What?! How is this a medical neccessity? My doctor wrote a letter years ago to my insurance company explaining my skin condition of rosacea/psoriasis and that it could only be treated with laser light and they refused to cover it. So I walked around for awhile looking like a blotchy scaley mess, yeah good luck landing a job like that huh. But they will cover if you want to grow boobs or get your penis lopped off? Yeah, that makes a lot of sense. They didn’t care if their client walked around looking like a freak due to an untreated medical condition that just happened to affect her “cosmetically” but they are so willing to cover the real freaks so they can what? “Feel” better about themselves?
“Standard treatment protocol” is probably more accurate than “medically necessary”. The point was that as this is considered the standard treatment for this, it would be covered by insurance (ie in all our premiums).
And it happens over years. First the weirdo has to dress like the opposite sex for years, have shrink visits for years, want to change their body, then finally start having operations. So all of this pre-op stuff with shrinks and such are covered too.