Hi, Shanetastic,
Your criteria for finding a physician to help you with HRT are excellent and well thought-out. I wish you quick success in your search.
I found my HRT doc after talking with some women who were on HRT, mainly post-op who knew this doctor personally. He is an internist, specialist in gastroenterology, accepts insurance for most things, close to my work, and experienced with transsexual HRT and its many facets.
IMHO, nothing beats a referral from a doctor's other patients.
Good hunting!
Wing Walker