Montana § 33-22-149 - Reciprocity In Gender Transition Treatment Coverage Required

§ 33-22-149. Reciprocity In Gender Transition Treatment Coverage Required

(Effective October 1, 2026) Reciprocity in gender transition treatment coverage required. (1) A group or individual insurance policy that includes coverage for gender transition treatment or subsequent treatment directly related to the provision of gender transition treatment must also include coverage for detransition treatment under equivalent cost-sharing policies. (2) If the group or individual insurance policy ceases coverage for gender transition treatment, the policy is not required to provide equivalent coverage for detransition treatment, except that the policy must provide equivalent coverage to insureds who were enrolled when gender transition treatment coverage was provided and received benefits under that coverage. (3) For the purposes of this section "gender transition treatment" means the following medical treatments provided: (a) to a female to address her perception that her gender or sex is not female: (i) surgical procedures, including a vaginectomy, hysterectomy, oophorectomy, ovariectomy, reconstruction of the urethra, metoidioplasty, phalloplasty, scrotoplasty, implantation of erection or testicular protheses, subcutaneous mastectomy, voice surgery, and pectoral implants; (ii) supraphysiologic doses of testosterone or other androgens; or (iii) puberty blockers, such as GnRH agonists or other synthetic drugs that suppress the production of estrogen and progesterone to delay or suppress pubertal development in female minors; and (b) to a male to address his perception that his gender or sex is not male: (i) surgical procedures, including a penectomy, orchiectomy, vaginoplasty, clitoroplasty, vulvoplasty, augmentation mammoplasty, facial feminization surgery, voice surgery, thyroid cartilage reduction, and gluteal augmentation; (ii) supraphysiologic doses of estrogen; or (iii) puberty blockers, such as GnRH agonists or other synthetic drugs that suppress the production of testosterone to delay or suppress pubertal development in male minors.