Pretty much true 
When I first encountered ghouls, I believe it was in the pub in Megaton FO3? (forget if there was such a thing in FO2) my first honest reaction was trepidation and caution. If I recall, the character in question (might have been the bartender?) explained "what he was" and this was elaborated on by additional experiences with other "ghouls" in the Wasteland, some time thereafter qualified by the realization of the thing known as "ferals."
They look different, they look ghastly, so it is understandable that anyone might have an initial reaction of caution if not fear or even animosity.
But beyond that, the game(s) seem to have done a 'good' job of NOT giving anyone any excuse to discriminate against ghouls. Ferals as far as I've seen are basically NEVER easily confused as non-ferals (at least not any more than "Raiders" are easily confused as non-Raiders). There also doesn't seem to be a real problem with "normal" ghouls slowly transforming into ferals or being at risk of doing so. Seems like there was one quest in FO3 that explored that theme, but it was a special circumstance.
So, to the extent that the BoS actually does discriminate against non-feral ghouls, and regards them as legitimate targets for unprovoked violence, yes I think it cannot be described as anything except genocidal racism.
One other thing: I don't think of "non-feral" ghouls as being "sick" so much as "transformed." As far as I can tell, they are no less healthy than anyone else, they eat, they sleep, maybe they even procreate, certainly they seem to experience all the standard human/mammalian psychological states (curiosity, fear, affection, disgust, friendship, etc., etc.). Moreover, they live seemingly forever.
Feral ghouls are definitely "sick" both physically and mentally, but non-ferals, I get the impression they are at least as "healthy" as other humans if not moreso. Perhaps there is some "cure" for the condition they are in, but I don't recall it ever being mentioned in the games.