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The$Need$for$a$Non,Discrimination$
Statement$to$Protect$the$Health$of$the$
Transgender$Population$in$the$State$of$
Massachusetts$
Keshav$Tyagi$
PM$508$,$Dr.$Cousineau$
Spring$
14$
Introduction*
In! 2010,! the! Obama0Biden! Administration! passed! the! Patient! Protection! and!
Affordable! Care! Act,! also! known! as! the! ACA! (U.S.! Department! of! Health! and! Human!
Services).! It! was! enacted! with! the! intent! of! increasing! the! quality,! affordability,! and!
accessibility!of!health!care,!expanding!public!and!private!insurance!coverage,!and!reducing!
health!care!costs!across!the!country.!Outlined!in!the!ACA!are!two!sections:!Section!2706,!
the!“Nondiscrimination!in!Health!Care”!clause!(Integrative!Healthcare!Policy!Consortium),!
and! Section! 1557,! the! “Civil! Rights! Provision,”! (U.S.! Department! of! Health! and! Human!
Services).!Together,!they!ban!discrimination!in!healthcare!based!on!sex!and!gender.!!
For!those!identifying!as!transgender,!these!protections!originally!meant!access!to!
care! for! many! long0standing! health! concerns.! This! population! suffers! from! issues! like!
access!to!culturally!competent!care,!hormone!therapy,!substance!and!alcohol!abuse,!and!
mental!health!issues!like!depression,!(Vanderbilt!University!School!of!Medicine).!They!also!
have! a! disproportionately! high! rate! of! suicide! in! comparison! to! both! the! general!
population,!and!the!highest!rates!of!HIV!infection!(National!Center!for!Transgender!Health).!
Additionally,!this!population!endures!judgment!and!discrimination!by!doctors!and!health!
insurance!providers!(Massachusetts!Transgender!Political!Coalition).!
However,!the!ACA!does!not!outline!or!mandate!state!requirements!for!either!clause.!
As!such,!it!is!through!each!state’s!discretion!as!to!how!these!policies!are!enforced.!In!the!
state!of!California,!the!Department!of!Managed!Health!Care,!or!DMHC,!responded!to!this!
choice! by! releasing! a! non0discrimination! statement! barring! discrimination! based! on!
gender,! gender! identity,! and! gender! expression! (California! Department! of! Managed!
HealthCare).!This!influenced!both!the!delivery!of!care,!as!well!as!insurance.!In!response,!
Kaiser! Permanente! dropped! their! policies! traditionally! used! to! marginalize! those!
identifying! as! transgender.! Kaiser! Permanente! shepherded! the! first! three! test! cases! for!
fully! covered! gender0confirming! therapy! (both! hormone! therapy! and! surgery! (Stroumsa!
31),!and!became!the!first!plan!in!the!nation!to!include!coverage!for!such!procedures!in!its!
health! insurance! policy! (Valentine).! Since! then,! the! states! of! Colorado,! Oregon,! Vermont!
and!Connecticut,!and!Washington!DC,!have!also!barred!this!discrimination!(Murtha).!!
However,! states! like! Massachusetts! have! not! followed! this! trend.! While!
discrimination!towards!transgender!people!has!been!barred!in!this!state!since!2011,!this!
policy!enforces!employment!and!housing!equity,!and!does!not!currently!extend!to!health!
care! (GLAD! Answers).! As! a! result,! this! population! has! substantial! difficulties! accessing!
quality! care,! contributing! to! higher! health! risks.! In! a! study! done! by! the! Massachusetts!
Department! of! Public! Health,! 8%! of! those! sampled! self0reported! that! they! did! not! have!
health! insurance,! 17%! did! not! have! a! personal! physician,! and! 33%! did! not! believe!
themselves!to!have!excellent!health.!On!average,!transgender!individuals!in!Massachusetts!
reported!depression!and!anxiety!for!an!average!of!8!days,!and!31%!had!considered!suicide!
(Mass!Equality).!Despite!these!findings,!not!much!policy!work!has!been!done!here!to!level!
these! disparities.! As! a! result,! this! population! still! endures! these! problems,! with! roots!
derived!from!both!health!care!settings!and!insurance!coverage.!
Transgender*Discrimination*in*Massachusetts*–*Public*Health*Implications*
According! to! the! Massachusetts! Transgender! Political! Coalition,! this! population!
predominantly! suffers! from! two! major! predicaments,! even! after! the! passing! of! the! ACA.!
The!first!issue!is!difficulty!locating!providers!and!insurance!sensitive!to!and!respectful!of!
transgender!health!issues.!Many!patients!have!reported!harsh!and!abusive!language!at!the!
hands!of!a!health!care!professional,!and!blame!from!these!same!caregivers!for!their!own!
debilitating!health!conditions.!Additionally,!those!living!outside!urban!areas!have!difficulty!
accessing! competent! doctors,! who! are! concentrated! in! urban! cities! like! Boston! and!
Worcester!(Fenway!Health).!Aside!from!transgender!health!services,!this!population!also!
suffers! from! discrimination! and! denial! of! basic! care,! like! in! emergency! rooms!
(Massachusetts! Transgender! Political! Coalition).! The! issue! is! the! predominant! lack! of!
respect!and!consideration!for!transgender!patients!in!this!state,!encapsulating!both!gender0
confirming!therapy!and!basic!health!services,!and!manifesting!through!delivery!and!access.!
The! second! major! issue! is! the! inability! to! secure! and! pay! for! needed! services.!
Transgender! individuals! are! wary! to! disclose! their! status! because! they! fear! exclusion!
(Valentine),! and! potentially! a! loss! of! health! coverage! (Murtha).! Many! health! insurance!
plans,!like!Harvard!Pilgrim!Care!Group!in!Massachusetts,!include!policies!to!discriminate!
against!transgender!patients,!barring!them!from!gender0confirming!therapy!by!classifying!
it! as! medically! excessive! (Harvard! Pilgrim! HealthCare).! Although! the! American! Medical!
Association! has! recently! joined! the! movement! to! support! gender0confirming! therapy!
inclusion! within! public! and! private! insurance,! health! plans! in! Massachusetts! actively! do!
not,!further!marginalizing!this!population!(Human!Rights!Campaign).!!
Generally,!if!a!policy’s!language!is!vague!enough,!they!can!choose!to!deny!services!
unrelated! to! gender0confirming! therapy,! simply! because! one! identifies! as! transgender.!
Additionally,!this!inexplicit!language!permits!a!hostile!medical!environment,!spanning!care!
delivery! and! coverage.! In! a! 2011! survey! by! Lambda! Legal,! out! of! 6000! respondents!
sampled,! 19%! reported! being! refused! health! care! services! based! on! their! status,! 28%!
reported! verbal! abuse! from! a! health! professional,! and,! 33%! postponed! seeking! medical!
care!after!this!treatment!discrimination!(New!York!City!Bar;!Lambda!Legal;!Human!Rights!
Campaign).! This! data! explains! that! despite! how! a! segment! of! the! US! population! suffers!
disproportionately! high! rates! of! mental! illness,! substance! abuse! and! addiction,! chronic!
disease,!these!issues!continue!because!they!are!not!comfortable!to!go!to!medical!facilities!
and!receive!the!care!they!need,!because!the!environment!is!not!receptive!to!them.!
Another! method! exploited! by! health! insurance! plans! to! discriminate! against! this!
population! involves! utilizing! a! loophole! in! the! ACA.! While! expanding! public! and! private!
insurance!was!intended!to!make!it!easier!to!attain!health!insurance!coverage,!to!receive!
legalized! benefits! like! premium! assistance,! one’s! chosen! gender! in! his! or! her! health!
insurance!policy!must!match!the!gender!marked!on!his!or!her!social!security!card.!Social!
security,!however,!requires!physician!documentation!for!gender!change!(National!Center!
for! Transgender! Equality).! Through! this! loophole,! health! insurance! plans! justify! not!
covering!services!based!on!how!official!documentation!of!the!patient’s!sex!was!not!matched!
by!social!security!administration!and!the!health!policy!(Murtha).!
Cadence!Valentine,!one!of!the!first!three!test!cases!by!Kaiser!Permanente!to!undergo!
fully! covered! gender! confirming! therapy,! offered! personal! insight! into! the! overarching!
effects! of! the! lack! of! consideration! for,! and! overall! understanding! of,! the! transgender!
population! and! specific! health! needs.! In! therapy,! for! example,! she! cited! how! many!
individuals!spend!much!of!the!session!educating!the!professional!about!what!it!means!to!be!
transgender,! due! that! professional’s! lack! of! knowledge.! She! explained! how! although!
transgender!individuals!have!the!highest!risk,!as!well!as!rates,!of!HIV!infection,!many!are!
not! in! treatment! or! on! medication.! She! cites! this! trend! as! a! direct! result! of! the! cultural!
incompetency!and!insensitivity!of!providers!and!insurance!plans.!Lastly,!she!also!explains!
how!many!misconceptions!and!incorrect!terminology!are!utilized!in!health!care,!which!is!
perceived!as!offensive!to!transgender!individuals,!and!has!detrimental!effects.!For!example,!
many! professionals! termed! a! transgender! individual! as! “transgendered.”! This! term,!
according! to! Valentine,! is! regarded! as! a! dehumanizing! (Valentine).! While! Valentine! is!
fortunate! to! have! received! quality! care! from! culturally! competent! providers,! many!
transgender!individuals,!especially!in!Massachusetts,!do!not!have!that!access,!and!equity!
for!this!population!has!a!long!way!to!go!in!terms!of!political!enforcement!and!advocacy.!
Policy*Alternatives!
! One! possible! action! to! address! this! issue! in! the! Massachusetts,! as! well! as! other!
states,! is! to! have! the! Massachusetts! Executive! Office! of! Health! and! Human! Services!
(EOHHS)! deliver! a! non0discrimination! statement,! similar! to! the! one! passed! by! the!
California!Department!of!Managed!Care.!This!would!clearly!enforce!that!health!insurance!
policies!are!not!permitted!to!uphold!discriminatory!language,!and!facilitate!the!delivery!of!
health!services!outlined!in!the!ACA!(Forbes).!This!would!be!a!positive!alternative,!because!
it! eases! the! reception! of! non0judgmental! care! and! coverage! by! health! professionals,! in!
health!care!facilities,!and!through!insurance!plans.!At!minimum,!it!would!ensure!essential!
health!benefits!are!justly!delivered,!and!grant!transgender!individuals!fair!access!to!quality!
care.!While!the!Massachusetts!EOHHS!would!need!to!debate!if!the!full!spectrum!of!gender0
confirming!therapy!should!be!considered!as!medically!necessary!in!insurance!policies!later!
on,!the!first!step!is!to!ensure!this!population!can!access!the!same!type!and!quality!of!care!as!
the!general!population.!
! Another! action! to! consider! is! incorporating! transgender! health! as! a! part! of!
continuing!medical!education.!Much!discrimination!against!this!population!stems!from!a!
general!lack!of!understanding,!awareness!and!education!about!health!as!it!relates!to!those!
identifying! as! transgender.! The! lack! of! knowledge! allows! for! the! development! bias! and!
prejudice,! and! paving! the! way! for! their! marginalization.! This! is! also! emphasized! by! the!
dearth! of! physicians! who! are! comfortable! with! providing! care! to! transgender! people!
(Stroumsa!33).!Education!is!desperately!needed.!It!should!emphasize!primary!care,!as!well!
as! aligned! disciplines! like! endocrinology,! urology,! obstetrics! and! gynecology,! plastic! and!
reconstructive! surgery,! and! emergency! medicine.! Additionally,! it! would! be! beneficial! to!
incorporate!education!in!medical,!physician!assistant!and!nursing!school!curriculum,!so!as!
to!reform!current!health!education!and!include!this!population!in!the!spectrum!of!minority!
care! and! cultural! competency! (Stroumsa! 34).! Ultimately,! influencing! medical! education!
does! not! solely! affect! transgender! individuals! in! Massachusetts;! it! influences! education!
across!the!country.!
! A! third! policy! action! requires! developing! and! distributing! national! surveys! and!
health! data! sets! to! gather! information! about! transgender! health.! This! can! be! done! by!
incorporating! questions! about! gender! identity! and! expression! on! current! and! existing!
health!surveys!(Stroumsa!37).!This!is!a!necessary!step!towards!establishing!a!foundation!of!
knowledge!and!statistics!to!respond!to!the!health!and!needs!of!the!transgender!population.!
The! information! gathered! could! be! used! to! develop! culturally! competent! care,! inform!
health! educators! and! health! professionals! on! the! population’s! demographics! and! health!
trends,!and!enhance!the!practice!of!medicine!to!advocate!and!consider!transgender!health!
within!the!spectrum!of!patient!care!and!health!insurance.!Ultimately,!accumulation!of!this!
data!can!be!utilized!in!Massachusetts,!outside!states,!and!in!further!national!health!reform.!
Final*Policy*Recommendation*
While!all!of!these!policy!actions!should!be!considered!and!implemented!over!time,!
the! more! practical! approach! is! issuing! a! non0discrimination! statement,! barring!
discrimination!based!on!gender,!gender!identity,!and!gender!expression.!As!a!result!of!this!
declaration! in! Massachusetts,! a! foundation! for! developing! education! about! transgender!
health!issues,!and!accumulation!of!health!statistics!for!this!population,!will!be!established.!
This!action!will!facilitate!a!progressive!and!culturally!competent!health!care!system!that!
fairly!includes!transgender!individuals,!and!prohibits!unfair!discrimination.!
It! is! important! to! note! that! while! this! policy! action! has! been! enacted! in! several!
states,!its!effects!have!not!officially!been!qualified!or!quantified.!!However,!its!provision!
heralds!protection!and!security!in!health!care,!for!a!population!that!has!not!experienced!it.!
Dr.!Ted!Eytan,!at!the!first!ever!Kaiser!Permanente!LGBT!Health!Symposium,!describes!the!
impact! of! this! decision! for! transgender! individuals! in! California.! In! his! words,! “a!
marginalized!and!invisible!population!in!health!care!was!now!‘visible,’!and!seen!as!worthy!
of!care,”!(Eytan).!
!
!
Works$Cited$
California!Department!of!Managed!HealthCare.!Gender!Non0Discrimination!Requirements.!
Statement.!Sacramento:!California!Department!of!Managed!HealthCare,!2013.!
Executive!Office!of!Health!and!Human!Services.!Health!and!Human!Services.!00!00!2014.!4!
April!2014!<http://www.mass.gov/eohhs/>.!
Eytan,!Ted.!Clinicians!from!the!future!practice!the!medicine!of!inclusion!–!Kaiser!
Permanente!LGBT!Health!Symposium.!15!April!2013.!4!April!2014!
<http://www.tedeytan.com/2013/04/15/12965>.!
Fenway!Health.!Transgender!Health!Fact!Sheet.!Fact!Sheet.!Boston:!Fenway!Health,!2014.!
Forbes.!Essential!Health!Benefits!Under!the!Affordable!Act!Act.!11!October!2013.!3!April!
2014!<http://www.forbes.com/sites/investopedia/2013/10/11/essential0health0benefits0
under0the0affordable0care0act/>.!
GLAD!Answers.!What!You!Need!to!Know!ABout!MAssachusetts'!Transgender!Rights!Law.!
Presentation.!Boston:!Gay!and!Lesbian!Advocates!and!Defenders,!2013.!
Harvard!Pilgrim!HealthCare.!Our!Plans.!1!January!2014.!3!April!2014!
<https://www.harvardpilgrim.org/portal/page?_pageid=213,38301&_dad=portal&_schem
a=PORTAL>.!
Human!Rights!Campaign.!Health!Insurance!DIscrimination!for!Transgender!People.!1!
January!2014.!3!April!2014!<https://www.hrc.org/resources/entry/health0insurance0
discrimination0for0transgender0people>.!
Integrative!Healthcare!Policy!Consortium.!"Frequently!Asked!Questions!about!Section!
2706."!Integrative!Healthcare!Policy!Consortium.!Conifer:!Integrative!Healthcare!Policy!
Consortium,!2013.!00.!
Kaiser!Permanete.!Accountable!Care!Organizations!Explained.!23!August!2013.!3!April!
2014!<http://www.kaiserhealthnews.org/stories/2011/january/13/aco0accountable0
care0organization0faq.aspx>.!
Mass!Equality.!A!survey!of!health!issues!comparing!LGBT!persons!with!their!heterosexual!
and!non0transgender!counterparts.!Survey.!Boston:!Massachusetts!Department!of!Public!
Health,!2009.!
Massachusetts!Transgender!Political!Coalition.!U.S.!Patient!Protection!and!Affordable!Care!
Act.!14!February!2014.!3!April!2014!<http://www.masstpc.org/issues/health0care/>.!
Murtha,!Tara.!The!Problem!with!Obamacare!for!Some!Transgender!Policholders.!12!March!
2014.!5!April!2014!<http://rhrealitycheck.org/article/2014/03/12/problem0obamacare0
transgender0policyholders/>.!
National!Center!for!Transgender!Equality.!Transgender!People!and!the!Social!Security!
Administration.!Report.!Washington!DC:!National!Center!for!Transgender!Equality,!2013.!
National!Center!for!Transgender!Health.!Preventing!Transgender!Suicide.!Washington:!
National!Center!for!Transgender!Equality,!2010.!
New!York!City!Bar;!Lambda!Legal;!Human!Rights!Campaign.!Transgender0Affirming!
Hospital!Policies.!Policies.!New!York!City:!Lambda!Legal,!2011.!
Stroumsa,!Daphne.!"The!State!of!Transgender!Health!Care:!Policy,!Law!and!Medical!
Frameworks."!The!American!Journal!of!Public!Health!104.3!(2014):!31038.!
U.S.!Department!of!Health!and!Human!Services.!Affordable!Care!Act!Nondiscrimination!
Provisions!Applicable!to!Insured!Group!Plans.!Notice.!Washington!DC:!IRS,!2011.!
—.!"Patient!Protection!and!the!Affordable!Care!Act."!Bill.!2009.!
Valentine,!Cadence.!The!State!of!Transgender!Health!Keshav!Tyagi.!21!February!2014.!
Vanderbilt!University!School!of!Medicine.!Key!Transgender!Health!Concerns.!Nashville,!00!00!
2012.!
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The Need for a Non-Discrimination Statement to Protect Transgender Health in Massachusetts