hey dude,
I only just recently started taking T (like 6 weeks ago) but Ill give your questions a shot
I've always referred to myself as a boy, so it was no huge change for me. It is taking other ppl a while to get used to it though.
I only told my folks about two weeks ago. They didnt talk to me for over a year when I told them that I liked girls, so I was expecting the worse. But it really wasnt that bad, it wasnt great either though. They said I would always be there child and I was always welcome in there home but they would never call me by my male name (Alex). I think with time they will come around. They live 1200kms away, so it'll be another 3 or so months before I see them again, that should give them time to sink in the info and hopefully adjusted. My mother did cry all weekend when I told her, I felt bad, but I needed to tell them.
I like seeing a psychologist. Mine is nice and real friendly. I am a fairly shy guy but she makes me feel open and able to talk about anything with her. Its good just to express my feelings outloud sometimes.
Im Australian and currently on the gel stuff. 50 sautels cost bugger all - like $15 or some crap. I know part of that is covered by the Australia pharmacal scheme.
I take the gel every day, pain in the neck, but works really well. I am seeing good results already.
With the name change it was easy for me. I just filled out a form got a JP to witness my signature and sent it off with $160 and within a few weeks it came back. The hardest part was waiting for it to come back.
I dont know about insurance, I want to get top surgry done next year, so Ill be looking more into it once I come back to Australia. I hoping some sort of insurance plan will cover it!
BTW - it really wasnt that hard for me to start T. I had been wanting to for ages and couldnt work up the guts to go see someone about it. Once I did though things just flew, it took about 3 months from the first doctor I saw to when I started. Its nowhere near as scary as I thought it would be