GCS prices are all over the place but I have heard $23,000 in the US. HRT with labs, somewhere around $1,000 a year or more depending on how the hormones are delivered. Facial hair removal could go over $10,000 depending on what needs to be removed. Then there is therapy and other assorted costs that you may decide to add to the package. The good news is you don't need all the money at once so you can pay as you go. You can get some of these things cheaper but your results may suffer so shop wisely.
Insurance coverage will vary. Some policies cover it while others don't. Read your policy and if it's excluded, normally the policy will say so. If you are getting a policy, read it before buying it.