Mom sues after Minnesota teen denied coverage for gender reassignment
The suit filed in federal court in
"I was really disappointed with my employer," Tovar said in a telephone interview Wednesday. "It's hard coming to work [when] my employer considers my son a second-class citizen."
The suit alleges that Tovar's insurance plan for herself and her family "contains a categorical exclusion ... for services and/or surgery for gender reassignment, regardless of medical necessity."
The teen was prescribed Lupron, which suppresses menstruation, and Androderm, a form of testosterone. The cost for Lupron was roughly
The mother paid for the Androderm herself, and Essentia later decided to cover that expense "as a one-time exception," the suit continued, but it did not yield on the overall merits of the coverage denial.
In December, Tovar sought preauthorization for her teen's gender-reassignment surgery but was denied, according to the suit.
Private insurance coverage for transition-related surgeries varies in
State law forbids state medical-assistance programs from paying for such procedures if strictly for gender reassignment.
Tovar has suffered from stress and migraines in connection with the dispute over her teen's medical needs, the suit claims.
The suit asks Essentia to change its policies regarding coverage for gender-reassignment services and surgery.
"It's not even about the money," Tovar said. "I'm trying to change [the coverage] and make access to health care for transgender [people] as it should be. To have a blanket exclusion for transgender is against the law. It's discriminatory."
The
Representatives of
___
(c)2016 the Star Tribune (Minneapolis)
Visit the Star Tribune (Minneapolis) at www.startribune.com
Distributed by Tribune Content Agency, LLC.


Methadone doctor, clinic admit negligence in patient’s fatal car wreck
Advisor News
- Why advisors should offer retirement-longevity planning
- A hybrid approach outperforms the 4% Rule, researchers find
- The missing piece in most retirement plans
- Clients are bringing TikTok insurance advice into advisor meetings
- Embracing a family-centric approach to financial planning
More Advisor NewsAnnuity News
- The Manhattan Life Insurance Company Acquires Union Security Life Insurance Company of New York
- Cayman Islands premier to meet with U.S. reinsurance regulators
- Investigation finds deceptive sales, churning of annuities targeting postal workers
- Corebridge annuity sales slip ahead of Equitable marriage
- California teachers settle class-action lawsuit over in-plan annuity fees
More Annuity NewsHealth/Employee Benefits News
Life Insurance News
- AM Best Affirms Credit Ratings of PT KB Insurance Indonesia
- Westaim Reports Q2 2026 Results for the Quarter Ended June 30, 2026 and Leadership Update for Ceres Life Insurance Company
- Bismarck man convicted of insurance fraud involving dead wife sentenced to prison
- Insurers, rating firms push back on NAIC credit rating oversight plan
- The Manhattan Life Insurance Company Acquires Union Security Life Insurance Company of New York
More Life Insurance News