A huge part of going to doctors for a diagnosis is that the area hasn't been fully looked into yet. Thus, sometimes patients actually have to educate the doctors on this stuff. It is hard to find two doctors who agree on what is intersex and what is not. Some don't even believe Klinefelter's or AIS is intersex!!
I found this out painfully after spending 6 months with a well known Southern Ca endo, who kept telling me "I don't see anything intersex in you" (look again at my picture...huh?) He told me I had a body image problem and suggested I see a shrink. I was at the doctor because my therapist had told me " I can't honestly diagnose you TS according to the DSM because I think you are intersexed".
Even though doctors tend to consider IS to be non-life threatening, there are issues with gonads becoming diseased and low hormone levels causing health problems.
So... if you think you are, get it checked out. I was one of the ones who always suspected I was, but got kicked out the door (without a blood test or any other examination) as a "gynecomastic transsexual". I finally had had enough and pressed for a hormone test, and that's when the fireworks started. The doctor started saying "THIS DOESN'T MAKE ANY SENSE, How does your penis look so normal with these kinds of estrogen levels?, how did you have kids?", Etc. To make a long story short, they weren't kicking me out the door any more.
My best advice to you is get your hormones checked first, then if there is a reason, go for the karotype, then go from there. A hormone test is relatively cheap. (compared to a karotype). Plus, a karotype really means nothing if you are mosaic, chimeric, or a true hermapohrodite. a huge percentage of true hermaphrodites are completely xy,( and yes some of them have normal penises, and have fathered children) so are Klinefelter's, AIS, and persistent mullerian duct syndrome, not to mention the rest of the conditions.
BUT... before you spend a dime, find out what the examining doctors views are of what actually constitutes an intersex condition. After 6 months of seeing my doctor and hearing "no intersex, get a shrink", I found out that the only condition he considers intersex is ambiuous genitalia.
I changed doctors and got a completely different diagnosis.
See what I mean, doctors are just people too.
Good luck anyway. And trust me, having an intersex diagnosis will not make biggots be kind. They will only say things like "even if you have male and female parts, we don't want anything to do with "her", and kick you to the curb just the same. The best thing to do is weed the biggots out of your life.
Hugs to you.
Michelle F