I definitely had my heart set on Brassard and paying for it out of pocket, but today I spoke with Anthem Blue Cross and they had a no deductible + 4,000 max out of pocket HMO plan.
They (Anthem) also publicly released benefit options for gender transition, which includes SRS and hormone therapy (among other things) as covered medical treatments. The woman I talked to was able to pull it up, but she did not know at first and tried to tell me that SRS is a cosmetic procedure. She stood corrected and was really nice about it.
She's checking to see if any of my medical doctors (general medicine, endocrinologist, brassard) would be directly covered by the HMO plan including the newly released benefits. I have a feeling it will turn up zilch, but worth a try I guess.
I also just got an email back from Brassard's office; they do not deal with any insurance companies.
So, I don't know. It's looking like I may just get the cheapest insurance possible to be legal with obamacare- unless I want to consider McGinn or another US surgeon (if I could even get coverage out of state). I will probably end up just doing it the original plan: of out of pocket with Brassard. It's a very important surgery to me, which means I'd be happier having my preference in doctor versus just being less $$.