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Research ArticleOriginal Research

Insurance Coverage and Use of Hormones Among Transgender Respondents to a National Survey

Daphna Stroumsa, Halley P. Crissman, Vanessa K. Dalton, Giselle Kolenic and Caroline R. Richardson
The Annals of Family Medicine November 2020, 18 (6) 528-534; DOI: https://doi.org/10.1370/afm.2586
Daphna Stroumsa
1Department of Obstetrics and Gynecology, University of Michigan, Ann Arbor, Michigan
2Institute for Healthcare Policy & Innovation, University of Michigan, Ann Arbor, Michigan
MD, MPH
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  • For correspondence: daphnast@med.umich.edu
Halley P. Crissman
1Department of Obstetrics and Gynecology, University of Michigan, Ann Arbor, Michigan
MD, MPH
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Vanessa K. Dalton
1Department of Obstetrics and Gynecology, University of Michigan, Ann Arbor, Michigan
2Institute for Healthcare Policy & Innovation, University of Michigan, Ann Arbor, Michigan
3Program on Women’s Healthcare Effectiveness Research (PWHER), University of Michigan, Ann Arbor, Michigan
MD, MPH
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Giselle Kolenic
1Department of Obstetrics and Gynecology, University of Michigan, Ann Arbor, Michigan
MA
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Caroline R. Richardson
2Institute for Healthcare Policy & Innovation, University of Michigan, Ann Arbor, Michigan
4Department of Family Medicine, University of Michigan Medical School, Ann Arbor, Michigan
MD
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Article Figures & Data

Tables

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    Table 1.

    Characteristics of Respondents to the 2015 US Transgender Survey (N = 26,957)

    CharacteristicWeighted Value
    Age, mean (95% CI), y42.1 (41.5-42.8)
    Gender identity, No. (%)
       Trans woman9,238 (56.09)
       Trans man7,950 (23.38)
       Assigned female at birth, genderqueer/nonbinary7,844 (14.03)
       Assigned male at birth, genderqueer/nonbinary1,925 (6.51)
    Race, No. (%)
       White21,980 (64.24)
       Latinx/Hispanic1,451 (15.17)
       Black/African American782 (14.80)
       Asian/Native Hawaiian/Pacific Islander767 (3.36)
       Alaska Native/American Indian314 (0.96)
       Biracial/multiracial/not listed1,533 (2.22)
       Middle Eastern/North African130 (0.23)
    Education, No. (%)
       Less than high school892 (13.85)
       High school3,384 (27.55)
       Some college12,544 (31.32)
       Bachelor’s degree or higher10,137 (27.27)
    At or near poverty level, No. (%)8,563 (29.78)
    Ever interested in hormones, No. (%)21,237 (83.43)
    Currently using hormones,a No. (%)12,037 (55.04)
    Uninsured, No. (%)3,362 (15.51)
    Insurance denied hormone claim,b No. (%)2,528 (20.81)
    Using nonprescription hormones,c No. (%)992 (9.17)
    • Notes: Because of missing values, not all categories add up to 100%.

    • ↵a Of respondents who were not in active military service. This group was excluded here because of their particular pathways and barriers to accessing hormone.

    • ↵b Of insured respondents who requested coverage.

    • ↵c Of respondents taking hormones.

    • View popup
    Table 2.

    Association Between Insurance Status and Gender-Affirming Hormone Use Among Respondents to the 2015 US Transgender Survey

    CharacteristicUse of Nonprescription Hormones, Among Those Using Hormonesa (n = 12,037)Use of Hormones, Among Those Interested (n = 21,237)
    aOR (95% CI)P ValueaOR (95% CI)P Value
    Uninsured (compared with insured)2.64 (1.88-3.71)<.0010.37 (0.24-0.56)<.001
    Age (for each additional year)0.986 (0.975-0.996).0080.969 (0.96-0.98)<.001
    Gender identity (compared with trans man)
       Trans woman3.71 (2.30-5.00)<.0010.56 (0.40-0.77)<.001
       Assigned female at birth, genderqueer/nonbinary2.41 (1.25-4.65).0090.16 (0.10-0.23)<.001
       Assigned male at birth, genderqueer/nonbinary6.02 (2.82-12.82)<.0010.19 (0.10-0.39)<.001
    Race (compared with White)
       Alaska Native/American Indian0.49 (0.22-1.09).080.93 (0.35-2.44).88
       Asian/Native Hawaiian/Pacific Islander2.72 (0.94-7.89).061.30 (0.65-2.62).45
       Biracial/multiracial/not listed3.28 (1.92-5.61)<.0011.23 (0.76-1.98).39
       Black/African American0.92 (0.55-1.56).770.75 (0.40-1.38).35
       Latinx/Hispanic1.07 (0.60-1.89).821.01 (0.51-1.97).98
       Middle Eastern/North African3.68 (0.66-20.45).142.06 (0.50-8.39).31
    Education (compared with less than high school)
       High school1.38 (0.62-3.08).430.47 (0.19-1.17).10
       Some college1.32 (0.63-2.78).460.56 (0.24-1.27).16
       Bachelor’s degree or higher1.13 (0.51-2.50).760.50 (0.22-1.15).10
    At or near poverty level0.80 (0.57-1.13).200.76 (0.51-1.14).19
    • aOR = adjusted odds ratio.

    • Note: Data analyzed using weighted multivariable logistic regression. For all analyses, crossdressers were excluded from the overall sample because of their unique characteristics.

    • ↵a Analysis excluded respondents currently in active military service, given their unique pathways to accessing gender-affirming hormones.

    • View popup
    Table 3.

    Association Between Insurance Claim Denial and Gender-Affirming Hormone Use Among Insured Respondents to the 2015 US Transgender Survey

    CharacteristicUse of Nonprescription Hormones, Among Those Using Hormonesa (n = 10,841)Use of Hormones, Among Those Interested (n = 18,516)
    aOR (95% CI)P ValueaOR (95% CI)P Value
    Claim for hormones denied by insurance2.53 (1.61-3.97)<.0010.89 (0.57-1.39).60
    Age (for each additional year)0.98 (0.96-0.99)<.0010.97 (0.95-0.99).02
    Gender identity (compared with trans man)
       Trans woman5.42 (3.56-8.25)<.0010.54 (0.34-0.86).009
       Assigned female at birth, genderqueer/nonbinary1.54 (0.83-2.86).170.13 (0.07-0.23)<.001
       Assigned male at birth, genderqueer/nonbinary8.90 (3.22-24.62)<.0010.80 (0.25-2.30).70
    Race (compared with White)
       Alaska Native/American Indian0.55 (0.19-1.55).260.53 (0.15-1.80).30
       Asian/Native Hawaiian/Pacific Islander4.04 (0.95-17.29).061.05 (0.44-2.46).92
       Biracial/multiracial/not listed3.22 (1.76-5.90)<.0010.84 (0.42-1.69).62
       Black/African American1.33 (0.70-2.54).391.17 (0.60-2.27).65
       Latinx/Hispanic1.31 (0.63-2.73).471.05 (0.46-2.41).90
       Middle Eastern/North African6.49 (1.07-39.28).04
    Education (compared with less than high school)
       High school1.24 (0.37-4.11).720.34 (0.11-1.11).07
       Some college1.09 (0.35-3.37).870.56 (0.19-1.63).29
       Bachelor’s degree or higher0.94 (0.28-3.20).920.40 (0.13-1.19).10
    At or near poverty0.72 (0.30-1.21).220.79 (0.50-1.25).32
    • aOR = adjusted odds ratio.

    • Note: Data analyzed using weighted multivariable logistic regression. For all analyses, crossdressers were excluded from the overall sample because of their unique characteristics.

    • ↵a Analysis excluded respondents currently in active military service, given their unique pathways to accessing gender-affirming hormones.

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The Annals of Family Medicine: 18 (6)
The Annals of Family Medicine: 18 (6)
Vol. 18, Issue 6
1 Nov 2020
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Insurance Coverage and Use of Hormones Among Transgender Respondents to a National Survey
Daphna Stroumsa, Halley P. Crissman, Vanessa K. Dalton, Giselle Kolenic, Caroline R. Richardson
The Annals of Family Medicine Nov 2020, 18 (6) 528-534; DOI: 10.1370/afm.2586

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Insurance Coverage and Use of Hormones Among Transgender Respondents to a National Survey
Daphna Stroumsa, Halley P. Crissman, Vanessa K. Dalton, Giselle Kolenic, Caroline R. Richardson
The Annals of Family Medicine Nov 2020, 18 (6) 528-534; DOI: 10.1370/afm.2586
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