In cases where a person has surgery to go from male to female should insurance companies be compelled to cover mammograms?

If a person who went from male to female via surgery acquires a health policy that includes mammograms for women, and desires to make use of that feature, should the insurance provider be compelled to cover the cost of it, or should they have discretion to deny the claim? After all, the carrier would not be in the wrong since the breast the person now possess was not natural but manmade, and has virtually have no better chance at breast cancer than the man she use to be, or other men with policies. Just because when the stipulation was written in the policy it would have been for natural women susceptible to breast cancer, would they have to cover it for a woman who was not a woman naturally but ”redesigned” (for lack of a batter PC word)?