I feel even if it's a severe cases it's a luxury problem.
I'm saying this upfront: your entire post was a big pile of burning stupid, for many different reasons. I'm going to detail a few of them below. If you read it, you will quite possibly get your feelings hurt. Feel free to not read it.
If you can't afford to change your gender, better don't have these gender problems.
1) Chelsea Manning's gender is not her problem; it's who she is. Unless you mean her own existence is a problem to her. Frankly, I would not be surprised if this is what you meant.
2) Almost no one chooses to be transsexual. The reaction of the surrounding society is incredibly harsh.
I got recently stung twice by wasps during the last month. Both times resulted in me having an infection of the connective tissue right around the puncture...
I know that defiled insects aren't that rare from my clinic visits. While me getting treatment was nearly fully covered by my health insurance I was asking my doc what I could do to prevent that from happening. You know normally not every sting means that you get that screwed. So my doc said it's probably a result of my immune system not being on top. Now I got this medication to support my immune system, which I buy out of my own wallet. It's not too cheap actually! I think that's a better purpose to avoid disease.
1) Immune systems are delicate balances. Really active immune systems attack innocuous items (causing allergies and similar problems) and/or your own cells (causing auto-immune diseases and similar problems). Unless you have a specifically diagnosed problem, messing around with your immune system is the worst advice possible. Was this really as doctor, or is your "doc" some sort of naturopathic quack?
2) Boosting an immune system generally a myth anyhow. You're being a sucker for buying that junk.
3) If you really needed a medicine for your immune system, your insurance would cover it.
Then there's a lot of other of severe cases where to save money health insurances replaced original medicine with generics on the list they cover. For some people these generics won't work from side effects. Now they gotta pay the original medicine all by themselves? For example that's for asthma medication I've heard of.
1) The only difference between a generic medicine and a patent medicine is that, for the former, the patent has expired. Usually, they are produced in the same facility by the same company using the same process, unless the medicine is so widely-prescribed that other companies can make money manufacturing it starting from scratch.
2) I don't know which medicine you've heard of, but I do know that Singulair became available as a generic drug less than a year, and switching to the generic form has saved me a lot of money, with no loss in efficacy.
3) Many types of asthma progress slowly. Mine is worse than it was five years ago, in fact about 3 years ago I switched to a stronger dose of Advair. I'm sure some people noticed a progression with their asthma at the same time they switched from Singulair to the generic. Correlation is not causation.
4) In every insurance plan I've had, you pay more for the name brand, but the insurance still covers most of it.
Then there's a very good leukemia medicine that was taken off the market because it turned out it's efficient against multiple sclerosis. So they have to take it off in order to bring the same API on the market as a MS medicine which they can sell way higher.
This could only work if there were still a patent on the leukemia medicine, so I'm assuming that, even though based on your post, it's probably a bad assumption.
1) You can make more money selling a cheap drug, because you can sell it to more people.
2) Drug companies want to keep people alive and buying drugs. They are not interested in killing off leukemia patients nor MS patients.
3) The insurance companies would never accept this, nor would the FDA. You don't want to piss either group off.
4) The patents would wear off quickly anyhow, meaning anyone could make this drug.
You've fallen for some tall tale here.
Then there's regulations in orthodontia to how big a problem you need to have in order to get expenses covered by the health insurance. My brother needed therapy but failed the required standard by 2 millimetres.
Did you tell your brother that he shouldn't have had tooth gaps in the first place? Or, are you only that uncaring and arrogant with people you don't know?
I honstly don't think that a developed mental disorder which has low chance in improvement unlike depressions amongst others is something that anyone but the person himself should cover.
I have no idea what you are talking about. Then again, you have no idea what you are talking about, so why should I feel left out.
To me this is like: I have a small penis that causes me severe mental pain and leaves me unable to feel comfort. I really need a Ferrari by health insurance to compensate for that shortcoming.
1) I'm so glad you got around to making fun of people with mental disabilities. They were starting to feel left out.
2) Since many insurance companies do cover things like Viagra, your own example is counter-factual.
3) Changing your body to reflect your gender is not a "Ferrari", it's an important step in being who you are.
There's way more important and relevant physical and mental health issues that are not being covered properly than discomfort of gender.
You'll understand if I don't accept the opinions of an ignorant and gullible poster on what's important. Or, maybe you wont't.