Shopping for Insurance as an LGBTQ Person

As adults, we need insurance — for our cars, for our homes, for our lives. For those who are LGBTQ, some extra due diligence is in order. Here are a few tips that will help you not only to determine what types of insurance you need but to find an insurance company that will be respectful towards you.

Now’s the time to start looking and doing your research, too — especially if you’re looking for health insurance. December 15 is the deadline for enrolling in a health insurance plan from the federal Health Insurance Marketplace. And, with the new year approaching, now is good time to take another look at your other insurance policies and see if you can save money or find a better plan.

Know If They Support You

According to Insurify, a majority of the top insurance companies in the US, including State Farm, Progressive, New York Life, Allstate, and Liberty Mutual, are well-known LGBTQ advocates. LGBTQ-friendly health insurers include Humana, Cigna, and Aetna, among others. Many insurers’ websites include separate sections for prospective LGBTQ customers, outlining not only what sort of insurance is available to you, but what might be best for your specific situation.

Determine Your Insurance Needs

Many insurers now allow you to tailor your coverage rather than just buying a blanket policy, particularly if you are shopping for insurance online. If you own a car outright, you may not have to cover as many factors as someone who finances or leases, just as an apartment renter has different factors to consider than a homeowner would. As far as health insurance goes, if you have a pre-existing condition, you will want to make sure that care of that condition is included in the policy. If you lead a healthy lifestyle, often you will get a break on prices depending on the insurer.

Do They Cover LGBTQ NEEDS?

LGBTQ individuals bring different perspectives and experiences when it comes to insurance. Coverage of a same-sex partner is thankfully less of an issue than it used to be, but you still need to make sure that won’t be a problem should you need to make a claim. A transgender person needs to know that their insurer not only covers their health needs, but will treat them with dignity and respect while doing so — especially when considering transition-related care. There is good news. According to the National Center for Transgender Equality, federal and state laws “prohibit most public and private health plans from discriminating against you because you are transgender.” The Center adds: “This means, with few exceptions, that it is illegal discrimination for your health insurance plan to refuse to cover medically necessary transition-related care.” Additionally, according to The Center for American Progress, insurers often have ties to LGBTQ organizations to facilitate understanding and proper treatment plans for these exclusive concerns, and some even have departments that deal solely with the LGBTQ community. Find more information specifically on trans-affirming health insurance via the Human Rights Campaign, as well as the Health Insurance Marketplace’s information guide.

Do your research

You and your loved ones deserve to be protected, no matter how you identify. In addition to researching LGBTQ-friendly health insurers, you can also research friendly affirming healthcare providers. The Campaign for Southern Equality offers an extensive Trans in the South Guide, including providers and helpful tips for navigating health insurance coverage. And, as always, some of the best sources for information about which insurers handle LGBTQ concerns most satisfactorily comes from their customers, so put in your research time before putting down your money. You can also ask your friends and LGBTQ organizations who they recommend as well.

Protection for yourself and your family shouldn’t come with discrimination and bullying. Enlightened insurance companies will give you the peace of mind that they will work with you should the worst happen.

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