Health Insurance Question - GID?

[moondaughter20.livejournal.com]

I was wondering if anyone has experience of or knows about having Gender Dysphoria (technically GID) accepted as a valid medical condition by insurance companies. Here's my specific situation:

I live in Canada, but my job has Extended Health, so my medical coverage is largely covered by our group insurer, Pacific Blue Cross. I've been on HRT for over a year and there has been no problem with med costs.

My extended health plan does cover a portion of the cost of a wig for medical reasons.
This spring I had a very expensive custom made hairpiece made for me. I had to take out a bank loan to pay for it but it has finally allowed me to pass and opened the door to me living fulltime. It's vital to me passing.

I decided I wanted to recoup some of that money by applying with PBC for my entitlement for the wig. My GP was unsure of how to proceed so he wrote me a very basic letter saying I needed the wig for medical reasons. Not surprisingly, PBC came back with a request for more information about this medical condition.

I went to my doctor and he wrote a referral now for it being treatment of Gender Dysphoria.
But I raised a concern and he agreed it could be viable, that by disclosing the GID diagnosis, the insurance company may decide that ISN'T a coverable medical condition. What worries me about that is it could twig them to the HRT etc and they may deny all of my expenses related to GID treatment.

So I am wondering if anyone has been approved or denied by insurance companies, esp PBC, for the treatment of GID because it's not considered necessary care or something?

Do you think it might be taking a risk to even disclose that now, or is it something that's worth pursuing? I'd just like a little feedback or experience people might have or know about.

Thanks!
Kerrianne