your doctor really should have been a little kinder to you and should not have made assumptions about you. But irrespect of that, with a complete investigation of you, they should prove yoru intersex, and genital surgery should be covered by insurance. You were right about your natural inclination that your not male. Would you ever have guessed about your results. I am surprised that they did not notice this in childhood. My pediatrician almost always did an exam every other time to check the genitals.