Glad to hear that another insurance company scam has been avoided. $43 for 90 because you're not "female"? I could understand if the drug cost $43 to manufacture and sell (well, kinda understand - still wrong), but it costs fractions of a cent to manufacture estradiol pills and charging that much is theft.
Standard MtF HRT meds - estradiol, spiro, finasteride, etc. - are all available as generics in the US and commonly sold at well under $10 (or far less) for a month's supply without insurance. Anyone paying over this amount is being ripped off.