Thanks for the additional information.
More than two dozen insurance companies pay for gender reassignment. It has become much more available in the last couple of years. All companies have specific requirements that must be met before they will pay. There is no way for an outside expert to determine who is going to pay the most in an individual case. It depends on where you live, and numerous other factors, including whether your surgeon is within their networks. Gender reassignment is also not just one procedure, but a series of procedures with specific medical codes.
Here are the requirements for some of the companies so you can get a feel for what is out there:
First of all, you will need to determine which insurance companies your surgeon does take and work from there. You will also need to make sure that you meet all of the criteria, have all the documents, etc. A social worker affiliated with your surgeon may be able to help with this, if the surgeon employs one.
I'm sorry no one can close loopholes for you. When coverage is denied for any reason, the option is first to ask for review, and if that is denied, to sue. That isn't something anyone can do for you online.
Please let me know if you have questions.