Well, since it IS medical treatment, how do you get around that? Do you suggest that everyone, including yourself, receive reinsurance coverage only for the basics, and NEVER for reconstructive surgery of any kind?<quoted text>If you want a sex change, pay for it yourself. Don't force your neighbors to pay for it by calling it a medical treatment.
Because THAT is what "sex change" surgery is.
You can't suggest such restrictions for others unless you accept it for yourself and your family.