Although I do believe anything can be covered by insurance providers if they wish to, I don't see the reason why a health insurance provided would need to cover something that isn't treating any disorder or illness.
Many of us are incapable of living a normal life without HRT.
Sounds like a disorder/illness
I would think having chromosomes/anatomy that misalign with psychology would classify as a disorder that needs treatment? Isn't that the point of therapy, hormones, affirmation surgery, etc.?
Sounds like it is but I can't say it without getting moderated.