It basically all depends on your state and their laws. In Tennessee for example you have basically zero chances of getting anything covered. I live in a very trans friendly state so my medication, my doctors visits, and my surgery’s were 100% covered by my insurance. For my surgery I needed a letter written by my Pdoc and my therapist for the insurance company saying I was mentally fit for surgery and that I’d really benefit from it and that I was aware of all the risks involved. They both gladly wrote the letters.

But if you don’t have a diagnosis of gender dysphoria disorder then no one will take you seriously.

But yeah it can cost tens of thousand of $ for people who live in bad states or who’s insurance don’t cover the whole thing. Some people have to save up for years while other people just can’t afford it at all.

I am just very lucky.