Gender Dysphoria Treatment - (0266)

Cigna covers medically necessary treatment for gender dysphoria — including behavioral health care, monitored hormone therapy, age-appropriate preventive care, and specified gender-reassignment surgeries — but excludes many cosmetic/body-contouring, most head/neck/voice procedures, routine laser hair removal, and other listed non‑medical services except in specific reconstructive contexts; coverage and limits vary by benefit plan and state mandate. Key requirements include detailed mental-health documentation and age‑specific support/consent (e.g., initial mastectomy ≥17: one qualified mental‑health professional’s letter; ages 15–<17: parental/guardian consent plus two independent adolescent‑experienced MHP letters documenting a marked/sustained (~2 year) diagnosis), qualified-provider monitoring for hormones (GnRH only after Tanner stage 2), often ~6 months continuous hormones before irreversible genital surgery, and prior authorization when required.

"Treatment of gender dysphoria, including nonbinary individuals diagnosed with gender dysphoria."