Know Your Rights: Transgender Rights in Connecticut
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Transgender Rights | Healthcare | Connecticut
Can healthcare plans discriminate against LGBTQ+ people?
In general, under federal and Connecticut state law, nearly all health plans cannot discriminate on the basis of sex, and, because the Supreme Court ruling in Bostock v. Clayton Co. concluded that all gender identity and sexual orientation discrimination is a form of sex discrimination, nearly all health plans cannot discriminate against LGBTQ+ people.
What health care plan protections are provided by Connecticut?
Connecticut Insurance Department Bulletin
In 2013, the Connecticut Insurance Department issued a bulletin directing all health insurers that are regulated by the Department to pay for treatment related to a patient’s gender transition.
Connecticut Medicaid (HUSKY Health)
The State of Connecticut Department of Social Services (DSS) was one of the first Medicaid programs in the United States to add comprehensive coverage of treatment and services for gender transition to its Medicaid program.
In 2015, Connecticut Medicaid amended its regulations to eliminate all references to gender reassignment as an “experimental” or “unproven treatment.” In 2017, coverage was added to HUSKY B, Connecticut’s Children’s Health Insurance Program. The addition of this coverage was in recognition of the clear clinical evidence that such services were not experimental and should be covered as part of the Medical Assistance programs.
Over the past several years, DSS has developed coverage guidelines for gender reassignment surgery and related gender transition services that are based on the best clinical knowledge available. All decisions are based on the medical necessity of a particular service and a person-centered assessment of the treatment needs of the specific Medicaid member
Connecticut Commission on Human Rights and Opportunities (CHRO) Ruling
In 2020, the Connecticut Commission on Human Rights and Opportunities issued a landmark ruling prohibiting all employers and insurers from denying coverage for transgender people’s healthcare needs relating to gender transition.
The ruling states:
Insurance policies that categorically refuse to consider certain procedures for certain people on the basis of their race, sex, or sexual orientation are facially discriminatory. So too are such exclusions for transgender people on the basis of gender identity, a condition unique to them. Consequently, when the State or a municipality contracts for health insurance plans that contain categorical exclusions for treatments related to gender dysphoria – and especially when the same treatments are covered for treatment of other conditions – it commits a discriminatory practice, as does the insurer.
Are there any health care plans that are not protected under Connecticut law?
Yes. Medicare and employer health plans that are self-funded (also known as self-insured) are governed by federal law.
What health care plan protections are provided by the federal government?
In 2013, Medicare removed the ban on coverage for the treatment of gender dysphoria because it was “experimental” and began to cover medically necessary treatment for gender dysphoria.
Section 1557 of the Affordable Care Act (ACA)
Section 1557 makes it unlawful for any health care provider that receives funding from the Federal government to refuse to treat an individual – or to otherwise discriminate against the individual – based on sex (as well as race, color, national origin, age, or disability). Section 1557 imposes similar requirements on health insurance issuers that receive federal financial assistance. Healthcare providers and insurers are barred, among other things, from excluding or adversely treating an individual on any of these prohibited bases. The Section 1557 final rule applies to recipients of financial assistance from the Department of Health and Human Services (HHS), the Health Insurance Marketplaces, and health programs administered by HHS.
Section 1557 generally does not apply to self-funded group health plans under ERISA or short-term limited duration plans because the entities offering the plans are typically not principally engaged in the business of providing health care, nor do they receive federal financial assistance.
In May 2021, the Biden Administration announced that the Health and Human Services Office for Civil Rights (OCR) would interpret and enforce Section 1557 of the ACA and Title IX’s nondiscrimination requirements based on sex to include sexual orientation and gender identity. The update was made in light of the June 2020 U.S. Supreme Court’s decision in Bostock v. Clayton County and subsequent court decisions.
In enforcing Section 1557, OCR will comply with the Religious Freedom Restoration Act, 42 U.S.C. § 2000bb et seq., and all other legal requirements and applicable court orders that have been issued in litigation involving the Section 1557 regulations.
For employers with 15 or more employees, Title VII bans discrimination on the basis of race, color, religion, sex, and national origin in hiring, firing, compensation, and other terms, conditions or privileges of employment. Employment terms and conditions include employer-sponsored healthcare benefits. Historically, not all authorities have agreed that Title VII protects LGBTQ+ workers against discrimination.
However, the Supreme Court decision in Bostock v. Clayton Co. changes this because that ruling made it clear that sexual orientation and gender identity discrimination are forms of sex discrimination. Although the decision is about wrongful employment termination, it has implications for employer-sponsored health plans and other benefits. For example, employers may want to adjust group health plan coverage of gender dysphoria and related services, including gender-affirmation surgeries, and review and compare benefits for same-sex and opposite-sex spouses.
Can religious employers discriminate against LGBTQ+ people?
On July 8, 2020, in Our Lady of Guadalupe School v. Morrissey-Berru, the United States Supreme Court reaffirmed its stance on the application of ministerial exception to employment discrimination cases as established in earlier rulings. In doing so, the Court simultaneously raised an unanswered issue under Title VII: does the ministerial exception for religious employers allow those organizations to discriminate against employees or candidates based on their LGBTQ+ status?
It’s unclear at this point how the Court’s ruling in Our Lady of Guadalupe School v. Morrissey-Berru may impact the LGBTQ+ employees of religious employers, but religious organizations and employers should recognize that the ministerial exception does not apply to every position within their organizations. Rather, it is limited to those employees who truly perform religious duties. For example, the position of a school janitor who is only present in the building outside of school hours and is not responsible for transmitting the faith would likely not be considered ministerial in nature
What steps can I take to get coverage for treatment of gender dysphoria?
- First, check to see if your health plan provides coverage for the type of treatment that you want by getting a copy of the plan’s “Summary of Benefits and Coverage.”
- Most insurance plans, both public and private, have detailed requirements that must be met in order to obtain coverage. This is particularly true if you are trying to obtain coverage for transition-related surgery. So, contact your health plan and request a copy of the requirements for the treatment you are seeking.
- Work with your therapists and doctors to make sure that you satisfy all the health plan’s requirements. Documentation from your therapists and doctors is the most critical factor in determining whether your treatment request will be approved.
- Check what treatment requires pre-approval. In most cases, any surgery will require pre-approval, and the plan may only pay if you use a surgeon that takes their plan.
- If your treatment request is denied, find out the reasons for the denial, and, if you still think that you qualify for the treatment, follow the plan’s appeal process. Usually, there will first be an internal appeals process, and, if you are not successful there, you can sometimes appeal to an outside agency. Make sure that you adhere to the deadlines— failure to meet a deadline can automatically end your ability to appeal.
- Keep GLAD informed if you are denied treatment. GLAD may be able to offer suggestions that can help you win your appeal. You can contact GLAD Answers by filling out the form at GLAD Answers or by phone at 800-455-GLAD (4523).
- Although more health plans now cover treatment for gender dysphoria, the process for obtaining treatment, particularly for transition-related surgery, can be time-consuming and frustrating. A great deal of documentation is required and finding a surgeon that does the type of surgery, and who is also acceptable to the health plan, can be difficult.
- Don’t be afraid to be persistent and to refile if you are denied.
How do I find a surgeon who will take my health insurance?
More and more surgeons who perform sex reassignment surgeries take health insurance. You should research surgeons carefully to find one who is a good fit for you. You can look at the list of in-network providers provided by your plan to see if they are included or if it includes any surgeons in your area, and if not, you can contact the surgeon’s office to determine if they accept your insurance. Most health insurance plans require that you use a medical provider in your network, but if your network does not include a surgeon who performs the services you need, you may be able to go out of network if you seek prior authorization from your plan.
What should I do if I am being discriminated against in health care?
If you are being discriminated against by a healthcare facility or provider or if you have a health plan that is regulated by the Connecticut Insurance Department, you can file a discrimination complaint with the Connecticut Commission on Human Rights and Opportunities. See the “Discrimination” Issue Area for detailed information about how to do this.
If you have a health care plan that is governed by Section 1557 of the ACA, you can file a complaint with the federal Department of Health and Human Services Office of Civil Rights. For more information, see: How to File a Civil Rights Complaint.
If you have a self-funded health care plan through an employer with at least 15 employees, you can file a discrimination complaint with the federal Equal Employment Opportunity Commission (EEOC). For more information, see the “Discrimination” Issue Area.
Connecticut Department of Insurance Bulletin on “Gender Identity Nondiscrimination Requirements”: Bulletin IC-37 Gender Identity Nondiscrimination Requirements.
HUSKY Health policies and procedures for providers: HUSKY Health Program | Providers | Gender Affirmation Surgery Policy.
Connecticut Health Care Guidance: Health Insurance Regulations – Connecticut.
The New England Transgender Healthcare Consortium consists of providers from over one dozen healthcare facilities in New England who are dedicated to improving access to gender-affirming care. For more information, see: New England Gender CARE.
Health Insurance Medical Policies: Health insurance Medical Policies.
Transgender Legal Defense & Education Fund memo to plan administrators on liability for transgender health care exclusions: February 21, 2022 Re: Liability for transgender health care exclusions in employer health plans
Out2Enroll ACA plan information for 2022: Plan Information for 2022 – Out2Enroll.
Transgender health care: Transgender health care coverage | HealthCare.gov.
HHS will enforce Section 1557 to protect LGBTQ+ people: HHS Will Enforce Section 1557 To Protect LGBTQ People From Discrimination | Health Affairs.
National Center for Transgender Equality (NCTE): Know Your Rights in Health Care: Know Your Rights: Healthcare.
NCTE Health Care Guide: Health Coverage Guide | National Center for Transgender Equality.
EEOC Title VII discrimination protections for LGBTQ+ people: Protections Against Employment Discrimination Based on Sexual Orientation or Gender Identity | US Equal Employment Opportunity Commission.
Guide to Gender Surgeons: TransHealthCare.
Transgender Rights | ID Documents | Connecticut
GLAD offers an initiative called the Transgender ID Project that provides free resources for transgender people living in New England (Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, or Vermont) seeking to update their legal name and gender on federal and state identification documents.
In many cases, you can update these documents without the assistance of a lawyer using the information below. If you do need help, see the question below: Where can I get help changing my name and gender on various ID documents?
How do I obtain a legal name change in Connecticut?
To obtain a legal name change, you apply to either your local Probate or Superior Court. Here are the instructions for applying to Probate Court: Procedure for Applying to the Probate Court for Change of Name.
Adults need to complete and submit the following forms:
- Form PC-901 which you can find here: PC-901 REV. 5/22 Petition for Change of Name (Adult).
- Form PC-910 which can be found here PC-910.pdf.
To change the name of a minor, you must complete and submit the following forms:
Applicants who are indigent or otherwise unable to pay the application fee of $250 may be eligible for a waiver by completing and submitting Form PC-184: Request/Order Waiver of Fees (Petitioner).
Do I need to publish my name change in a newspaper?
No. Connecticut does not have this requirement.
How do I change the name and gender on my Connecticut driver’s license?
Here are the instructions for changing name and gender on a Connecticut driver’s license or identification card: GENDER DESIGNATION ON A LICENSE OR IDENTIFICATION CARD
If you are changing your name, you must first change it on your Social Security card. You must also submit a name change order from a court (NOTE: It doesn’t need to be from a Connecticut court) and complete the following form: CHANGE OF NAME OR NAME CORRECTION REQUEST
To change the gender on an adult driver’s license or identification card, you must submit Form B-385: GENDER DESIGNATION ON A LICENSE OR IDENTIFICATION CARD. In addition to “Male” and “Female,” there is a gender-neutral “Non-Binary” option.
If the person requesting the change is a minor, a parent or guardian must be present and sign the B-385 form, or the minor must submit a signed and notarized 2D form with the B-385: Here is a link to the 2D Form: CERTIFICATE OF PARENTAL CONSENT DEPARTMENT OF MOTOR VEHICLES NOTARIZATION (Not valid unless notarized below) SUBSCRIBED AND SWORN.
NOTE: Beginning May 3, 2023, if you want to use a state ID to fly domestically or enter a federal building, it will need to be a REAL ID. For more information about obtaining a CT REAL ID, see: Connecticut Real ID – CT DMV Information
If I was born in Connecticut, how do I change the name and gender on my birth certificate?
In 2015, Connecticut changed the law to allow a person to amend the sex designator on his or her birth certificate to reflect such person’s gender transition, without requiring any surgical treatment. Instead, the sex designator on the birth certificate can be amended if the registrant provides an affidavit from a physician, advance practice registered nurse, or psychologist, that the registrant has undergone surgical, hormonal or other treatment clinically appropriate for the purpose of gender transition.
The steps and forms for changing name and gender on a Connecticut birth certificate can be found here: Listed below are the necessary documents that the Department of Public Health will need to amend the sex designator on your birth certificate.
In addition to “Male” and “Female,” Connecticut allows a “Non-Binary” gender neutral option.
Where can I get help changing my name and gender on various ID documents?
The Transgender ID Document Project is a joint project of GLAD, Massachusetts Transgender Political Coalition (MTPC), and law firms Ropes & Gray LLP and Goodwin. It matches a resident from any of the six New England states with a pro bono (free) attorney at one of these law firms. However, because of the popularity of the program, it may be several weeks before you are contacted by an attorney from one of these firms. For more information and to apply for the Project, go to: Transgender ID Project – GLAD.
However, in most cases, by using the information and forms provided here, you can update these documents fairly easily on your own without the assistance of an attorney.
The National Center for Transgender Equality (NCTE) has an ID Documents Center with information about changing name and gender on state and federal ID documents. You can find information about Connecticut here: Connecticut | National Center for Transgender Equality
Cases & Advocacy
To see Transgender Rights cases or advocacy which GLAD has been directly involved with in Connecticut, go to: Cases and Advocacy – GLAD and under “By Issue” click on “Transgender Rights” and under “By Location” click on “Connecticut.”
News & Press Releases
To see news and press releases about Transgender Rights in Connecticut, go to: News & Press Releases – GLAD and under “By Issue” click on “Transgender Rights” and under “By Location” click on “Connecticut.”