The point is that transexualism is not a brain dysfunction. BIID is - because areas of their brains aren't working correctly.
http://www.newscientist.com/article/dn16840-desire-to-amputate-healthy-limbs-shows-up-in-brain-scans.htmlWhether or not you want to argue if BIID is psychological or neurological or both is irrelevant to the original discussion, however. It seems that the only people who are arguing that BIID is another form of 'normal' are people with BIID . . . I believe if you did just a little bit of research, you would find that GID is not in the same category at all.
GID isn't BIID and it isn't a brain dysfunction, so a transgendered person's desire/need to have a surgical procedure that falls under the heading of 'gender reassignment' is no more elective than the need of a natal male's or natal female's for similar procedures.
If an insurance company will pay to remove a natal woman's breasts and/or internal genitalia because she is at increased risk of developing cancer, then they should also pay to remove those parts in an FtM male, because they are also at increased risk - it is no more 'elective' for the FtM than for the natal woman.
If an insurance company will pay for breast reconstruction/augmentation for a natal woman who had a physical malformation or lost a breast or breast tissue to disease - in other words, for some reason other than purely cosmetic - than they should pay for a similar procedure for an MtF, because it is medically necessary as part of their transition.
If you want to argue from the insurance companies' perspective of what is 'medically necessary', then of course all of it is elective - as far as they're concerned. Hell, almost any medical procedure is considered 'elective' by the insurance companies these days.