General Counsel for California’s Department of Insurance recently issued an Opinion Letter stating that “denying coverage for mastectomy and reconstruction of a male chest based solely on age is impermissible under state laws requiring coverage of reconstructive surgery.” The “male chest,” however, is that of a biological woman who is wanting to “transition” to a “male.” 
 
The procedure to be performed on women is not to be“cosmetic” surgery but is instead “reconstructive” surgery related to “abnormal structures of the body caused by congenital defects.”
 
Dr. Michelle Cretella, MD, FCP, president of the American College of Pediatricians, said, “The commissioner is requiring insurance companies to pay surgeons to remove the healthy breasts of emotionally distraught girls and women and implying it is ‘necessary treatment’ — yet we already have multiple studies demonstrating that mutilation does not treat gender dysphoria.”