Did you ask why it would take longer than you thought? Because there could be other factors at play as to why its going to take a while longer, such as needing to be in therapy and/or on hormones for a certain amount of time, insurance is being a brat, she thinks there might be another issue that could affect it etc...
FOR EXAMPLE --
Upon reading the 'transgender policy' for my insurance I discovered things like,
Hormone treatment and/or therapy for a year (depending on what surgery you are going for)
Actual diagnosis of dysphoria by 2 medical professionals (1 if its FTM top surgery)
Determined as medically necessary to alleviate dysphoria
Determination that there aren't any other conditions that would affect surgery
and a few other things that I can't remember off the top of my head
Then of course there's the requirements that doctors doing the requirements themselves have whether you have insurance coverage or not.
Then there is of course the possibility that you misunderstood her in the first appointment.
Anyway, that's just me playing devil's advocate for a moment there. But I totally see why you are frustrated and don't trust her. If you've asked why and still don't understand, and still don't trust her, then its time to move on to a different therapist. Therapy does ZERO good if you can't trust the therapist.
I speak from personal experience. Most of my therapists for my anxiety I did not trust AT ALL because they would throw the blame on me, when a large part of my anxiety came from my parents unrealistic expectations from me, and a large part from growing up in foster care, and a large part from just social prejudices against me my entire life. So yeah, if you have done what you could, then move to a different therapist.