And my answer to that is that, admittedly, one would not be using any insurance for things like surgeries. The surgeries would be a voluntary thing that an individual could do at their own choosing, but they would have to pay for it themselves. I would argue that the need for say, bottom surgery, could be determined by how well the individual could handle externally-recevied hormones after a given period (rather than the rather arbitrary "how well do you do in society" standard that mental health uses). Without being listed as a mental health diagnosis, proceedings with physical changes could instead simply be based on the fitness of the individual and whether or not there's much in the way of negative effects from the hormones. I mean frankly, that's what I thought the whole basis for waiting or bottom surgery was based on myself when I was getting myself started on testosterone.