A little late on this post, but I'm at Kaiser in SoCal as well. I actually started out of pocket through hand selected therapist and a doctor she recommended. By the time I realized I could be using Kaiser, they sent me to a education session, and then a therapist appointment. She recognized I was already 6 months on HRT and really made it quite simple for me to move forward into the Kaiser system after just the one visit. No gatekeeping, went straight to the Endo, and he never challenged my intentions and just picked up my same prescription within Kaiser. Same experience as AnneK, but directly in San Diego, so I think you'll find they are not gatekeepers either.
Also, not so sure on how fast you can tell if hormones are really right for, well in my case, I know they are right for me, but doesn't stop the competing guilt of impacts to those I love around me. I'm happier internally, but anxious over what I am losing to get that. Not necessarily a smooth road ahead.
-Kate