Yeah, you can go to an endo anyway, you'd just have to pay for it all yourself. (If you have the money... which I realize isn't something we can assume. But there's no reason why your doctor should refuse a referral b/c of insurance issues only.)
T is pretty cheap, once you get the prescription. It's actually a lot cheaper than E, usually. The endo visits and bloodwork are the expensive part - and you can try to find an endo who is willing to bill it to insurance as something like "hypogonadism" or another diagnostic code that doesn't involve transsexualism. We did that for 2 years; endo billed insurance for "hormonal insufficiency" or something like that, and we paid cash at the pharmacy so that nothing got reported to insurance. (Mostly b/c I was paranoid - my insurance actually did cover HRT, just nothing "preparing for" GRS or surgery itself.) The insurance won't see what prescription is written unless and until you ask *them* to pay to fill it, so if they then happen to assume you're being treated with E instead of T for hormonal problems, well...
Good luck.
