You should definitely check with insurance, better if they can help, but just as stated before, it's not insanely expensive without insurance, just a bit harder.
Just a warning, my story/rant is long.
Starting around first grade when I eventually socialized with others did I realize that I was different. I'm not exactly sure if there was anything before then, but only because there was no one to compare myself to in the way going to school allowed me to notice that there was a difference between me and boys my age. It started out with not liking the games the boys would play, less physical play and more interaction verbally with all the other girls. Those plastic cooking sets were stuff of infinite fun! Body dysphoria didn't rear it's ugly face until a few years after just before entering the 3rd grade when I realized that there was a reason the girls had to use the other restroom, and I separate from them. One of my childhood friends let me in on the secret, something of common knowledge today, that I was the oddball because I was different, I was a boy. I knew what that meant, yet I still couldn't piece together why it was we were different, set aside the obvious "secret". Middle school comes around and boys and girls start to change, and is also where the dysphoria really kicked in. The differences between me and the other girls were becoming too much. I knew what was so different about me. My voice was changing, my voice wasn't supposed to change. I was getting taller and more muscular, it made me look less feminine. I broke out a lot, because of facial hair growth, not typical of girls my age. Them telling me to "man up" when I knew deep down inside there was something terribly wrong with what they were saying! I was always upset and though at the time in hindsight was what would later be called gender dysphoria, I had no clue what to call it. All the boys my age were trying to grow up to be a man's man, and telling my parents how I felt was only going to return the response, "man up". So I tried. High school only proved to me that people were only getting more and more different as the years went by. My body at this point was being poisoned by testosterone and my dysphoria was in full swing. I couldn't eat, sleep, cry, be happy, or very simply...be me. Whatever that meant. I missed a lot of school because I swore whatever I saw wrong with the male body I occupied, was being seen by everybody. The scared person inside, she needed to come out, badly. One of the days I ditched school, I gave myself an ultimatum, let myself show how different I can be, and be myself, a girl, or die. I knew hurting myself would've been terrible, not only for me but for all who had cared, so I opted for the optimistic route. So I started off with my hair, I grew it out. I started asking my sisters for their old clothes, ("for fabric to make...stuff") so I could start exploring my taste in clothing (as I did not like men's clothing at all, not flattering at all!) This made me feel so much better, but was still not enough. I got my ears pierced. (Yes I know, guys get their ears pierced too, but to me it was a step towards femininity) I got highlights in my hair (see above) Started to ride my bike everywhere (my bigger thighs made me feel good and more proportionate really...and it was a good workout!) And bought my first pair of booties, because who doesn't like shoe shopping, it was my treat! Ah, well, though I did all these things I knew I was far from letting the scared girl inside me out, and as far as I had come in allowing myself to make small changes, I needed to open the flood gates. So I did. After my senior graduation, I let loose and told one by one whomever needed to know that the boy they thought they knew was no boy at all, but a girl, and her name was Roxanne. And I'm living now as me ever since!
(I did leave out the details of my dysphoria, I don't want to upset anyone by delving into details they don't want to read) (This is just a synopsis, there is so much more to my story!)