I've only done research on two schools (university o' las Vegas, university of Nebraska) that I may be possible attending, it seems that both use the same "Aetna" student health plan.. Aetna covers hormones(15 dollar copay for generics, 25 for name brand 1 month sup.) and therapy (free if done on campus clinic), best thing is they cover a fat chunk of change for SRS but the 1 year real life test is required. (Cost covered was something like a 80% ) «there are rules and limitations so take what I say with a grain of salt but this plan is not bad if you ask me... only bad thing is the plan will cost over 2300 a year and every service requires a small copay which could get expensive, but not enough to add up to a 12-15K SRS so that's a screaming deal for me. Aetna does health service for schools all over the country so look em up.