Lawyers say the insurer has no problem with covering this procedure for other young people under 18 who aren’t transgender. "Premera has here imposed a policy that is just not consistent with the practice of medicine, not consistent with A.B.’s – our client's – needs, and in doing so it discriminates against trans patients under 18 based on sex and age," Gonzalez-Pagan said. He now wears chest binders, but his family, therapists, and doctors soon came to the conclusion that surgery was still the way to go. Our maximum line size for any one binder is 8m, and we have the relationships in the London market to provide much larger binders if required. We’re trusted by other Syndicates for our ability to be a fair and prudent insurer. was initially set to have surgery Tuesday. Our long-standing approach to binders makes us a lead market for almost half of the business we write. "In doing so Premera is not just breaking the law, it is imposing grave harm, and those harms have serious consequences.”Ī.B. needs this surgery and he is being unlawfully denied coverage of that surgery because of who he is," Gonzalez-Pagan said. Gonzalez-Pagan said the health insurance company doesn’t cover gender affirming surgery until after the age of 18. The purpose of interim insurance, called a binder in the United States1 and often recorded in a cover note in England, is to give the insurer time to assess. Its usually replaced by a policy within 30 to 90 days and dissolves once the policy has been issued. Omar Gonzalez-Pagan is an attorney with Lambda Legal representing the teen – identified in court papers as “A.B.” – and his family. An insurance binder is a temporary insurance policy.
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