Failure to Provide Goods and Services Based on Transgender Status

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Since President Obama legalized Transgender rights, the United States has seen increased discrimination based on transgender status. In contrast to other civil rights legislation that protects against discrimination for race and sex, no federal law explicitly prohibits insurance providers from discriminating against those who identify as transgender. Some states have implemented their laws prohibiting such discriminatory practices, but it’s not enough. There needs to be a national law to protect all people from this kind of discrimination.
Shockingly, no government law as of now exists to protect gay and transgender people from this sort of separation. An interweaving of state and nearby laws offers a portion of these insurances to gay and transgender Americans. Yet, the absence of an extensive government law implies that a café proprietor in El Paso, Texas, can kick a gay couple out of his foundation just because the couple imparted a kiss to each other. A landowner in West Virginia can decrease to show a property to a lesbian couple. Furthermore, a specialist in Indiana can refuse assistance to a patient dependent on her sexual personality.

Who is a transgender person?


Transgender is a term used to describe people whose gender identity and expression differs from what is typically associated with the sex they were assigned at birth. It’s important to note, not everyone who identifies as transgender will pursue surgery or hormones; some may want to express themselves differently through clothing, hairstyles, pronouns, etc.

What is insurance discrimination?


While the Civil Rights Act of 1964 has laws prohibiting discrimination based on race and sex, there are no clear-cut rules in place protecting transgender people from being discriminated against when it comes to health care. Insurance providers can deny coverage or charge much higher premiums for those whose gender identity doesn’t match their biological sex assigned at birth, leading to a lack of access that would require medical attention.

Why does this matter?


Discrimination under any form should not be tolerated, and here’s why: Transgender patients tend to experience health disparities because they often avoid seeking preventative care due to fears associated with mistreatment by healthcare professionals. This puts these individuals more vulnerable than others when it comes time for treatment, putting them at a higher risk for health conditions such as heart disease, cancer, and HIV.

What can we do?


While no federal law exists prohibiting this kind of discrimination against transgender people, some states have anti-discrimination laws in place, including Massachusetts, which prohibits insurance providers from discriminating based on gender identity or expression. If you want to help take action: Call your state representatives and ask them why they aren’t fighting for legislation like the Equality Act (a bill named after Matthew Shepard) to protect those who identify as LGBTQ+ from being discriminated against when it comes to healthcare services and treatments offered by insurance companies

Types of discrimination faced by transgender people


– Denial of insurance based on transgender status
– Higher premiums for those who identify as transgender due to their biological sex not matching the gender they identify with.
Discrimination when buying and renting houses due to homophobia
-Being denied employment opportunities

What can transgender people do when they face discrimination?


-File a complaint with the United States Department of Justice Civil Rights Division
Contact an attorney to discuss their civil rights and legal options.
-File a complaint with the Massachusetts Commission Against Discrimination
How can discrimination be prevented?
-Have federal laws put in place prohibiting discrimination based on gender identity or expression for health care services, insurance coverage, and employment opportunities.
-Protections need to be put in place for all citizens, no matter their gender identity.
-Tell others about Transgender rights – If more people know, then maybe change will come faster!

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