Every trans woman has a few facial features that can be feminized and reversed with surgery (except those lucky ones who started with HRT at age 11 or 12 before any puberty damage). Whether or not people here think you need anything or not is irrelevant. The only important question is if you want it or not?
If your insurance has coverage of FFS in their policy, then it's possible. It's much easier for surgeons (and their office) to say it's just 1%, and hope you will give up and pay them with your own money, than to work hours and hours with you and insurance company and make all the paperwork and everything else. There are some people who had it covered, and there are few threads about that in FFS section.