Sex change treatment are not covered. If it's not a sickness, why must insurance pay for the treatment?

You planned to undergo sex change operation? 

they dont accept sick people, abnormal biologically. it's not personal. it's more biology

not every thing is race and religion. People who are under HRT means their body is physiologically very different

There's not enough sample size for insurance companies to assess how to accept these risk and charge them accordingly. Just like why smoker is more expensive than non-smoker? for a non-smoker like me, i think it's fair smoker people pay more, because they are of higher risk (statistically proven). but no information and data for those under HRT. so, being the profit making entity that they are, just decline lo and not accept the risk.