“… The “dirty secret” of the insurance industry is that most denials can be successfully appealed…”
I’d love to see the double blind white paper that quantitatively shows that.
The thing is gender affirming surgery is for treating a mental state.
That means it isn’t qualitatively different than other surgeries to treat mental states
That doesn’t mean its bad, but it does mean its potentially dangerous, and counter-medicinal, unless carefully vetted and compared against nonsurgical treatments.