Tatyana,
I would check to see if your insurance covers the geneticist. Wait off on that until you are sure.
Endocrinoligist visits should be covered, but it depends on your policy and how your endo chooses to mark the treatment. Since some insurances don't cover transgender care, you may get charged out of pocket if your endo labels the treatment for "gender dyphoria" or something trans related. Look into your policy and see how your endo will process the insurance claim.
More than likely, you should be able to see a urologist without any fears. You have a legitimate defect and should be covered. Still, you should check to be safe.
I hate insurance, so I feel your pain. I have been calling my insurance company the past 3 days over and over again because they screwed up big time and keep telling me there is a glitch in the system and they are fixing it. Erggggh!!
Good luck on everything and keep us posted!