Being trans is so expensive 
How are you affording it, I wonder?
Here, I think most private health insurance would not cover any of the associated expenses unless you were able to justify them in a different way, so it would be all out of pocket.
Alot of it is subsidised by public health; Medicare. The rest I have to save and be financially creative for.
Private health insurance here would probably subsidise it all, but the insurance would probably add more cost to it all.
Wow, you are lucky, then. I think there are only a handful of self-insured companies here, like Microsoft, that would pay for it. A handful of people have gotten it paid for with Medicaid after they bring a lawsuit and prove to a judge that it's "medicaly necessary" but most people have to pay for it completely by themselves. Maybe at best, they get their insurance to pay for some things if they are justified differently, like counselling for "depression".
Will you have to get a job to pay for the parts you have to pay for yourself?
ponds from now on.