Hi Starla (love the name!)
I have my first session next week, and reading many profiles and pages of therapists around here, that sounds, to me, like the norm. The fact that she says that she "considers the client the expert", sounds like she is open, and encouraging. I think I would consider her to likely to sign off on HRT.
$100/hr, and no insurance.. the lady I will be going to, is one recommended by a friend who just completed her transition, charges $85/hr, cash/chk only, no insurance, which does not seem out of the norm (insurance-wise). It does seem a bit steep, but have you thought about how often are you planning your sessions for? I am not sure myself, I guess it depends on how fast you want to get thru your journey. But I pray you find her warm, encouraging, and helpful.
Anne