And I'll ask too, have you read your coverage plan booklet, especially about drug prescriptions and gender? I'm not sure what they mean by pre-authorization, a physician's prescription should be sufficient unless you have notified them your trans and they implicity, or worse explicitly, exclude anything trans. And it's true, most will automatically pay (most) for lower dosage since it's hrt isn't a women's only drug anymore.
The problem is that your prescription and submission form from the physician (for gender) raised flags in the computer and once that happens, it will generally always raise flags for someone to review before approval. And asking them to change your gender (marker) is certain to stop a lot of processing for your records. Sadly as it is, they have rules to folllow and changing gender markers requires the full legal stuff on your part, not just your or your physician's statement.
Just my thoughts and I wish you good luck.
