I live in Seattle, too. I've been to the support group at Ingersoll, it's a very nice group.
My prescription for Estrogen patches was denied by my insurance. When I complained to the insurance commissioner, the insurance company's response was that they don't have to follow the laws because the state is self-insured, even though my insurance is through UMP, Uniform Medical Plan, for state employees.
So basically what they said is the state doesn't have to obey state laws.
BTW, I'd love to meet more Seattle trans-women.