Not sure how it is for your specific area, but I can relay my experience.
I came out in 2001. Promptly after I saw a military-approved therapist, who, after 2 sessions, dropped me as a patient due to her discomfort and inability to 'deal' with a transgendered person.
I did some searching and found a different therapist, one who was familiar with gay, lesbian, and transgendered issues. Each session was $80. I saw her every weekend (spent about $30 in gas each weekend as her office was far from me). After about 2 months she wrote me a referral letter to a doctor who had other transgendered patients and referral for top surgery (I had to pay $160 for the referral letter to compensate her for the time spent on it). The doctor visits were not covered by insurance (not in the military network), and the price varied. Usually it was about $60, unless there was bloodwork involved (the first visit there was bloodwork and my price, if I recall correctly, was about $130). The prices were so high because they wouldn't write me a prescription for T unless I was taught how to inject it, and allowed them to observe my doing it several times (to ensure I did it correctly).
So from coming out, to starting T, it was about 4 months for me. The same month I started T, I also had top surgery with Dr. Brownstein.
Once I received top surgery and started T, my therapist only requested to see me a couple more times. And then I discontinued seeing her (mutually).
As far as T costs, I pay about $70 for a 10ml vial from King Soopers. It lasts me about 8-9 months...depending upon if I can get enough out once the bottle becomes near empty. Yearly bloodwork runs me about $130 still.