Well, I can't speak from experience on a lot of this. I had been told to expect about $60 / month for hormones without insurance. I briefly saw a therapist for free because of my financial situation and being able to characterize my sessions as dealing with substance abuse. Now, it's going to be $20 per office visit through my insurance. There's a place near me that does full face laser for $50 per session and a different place that does electrolysis for $100 per session. From what I've heard, laser is much faster and cheaper, but simply can't get rid of lighter hairs and is less effective if you have darker skin. I was looking at Dr. McGinn for SRS (aka GCS) and she charges $18,500 for basic vaginoplasty.