Try to have it while you are still insured as F, unless your insurance specifically covers surgical procedures for transgender individuals. The longer you are on T, the more 'unhealthy' those organs can become, usually giving a surgeon reasonable cause to bill the insurance for a medically necessary procedure. If you are insured as M, it will be a struggle to get the procedure covered. I had mine done a year ago, at 3 years on T... due to erratic bleeding, polycystic ovaries, and a gigantic fibroid...then changed my health insurance to M. Definitely a big relief for me to have it all removed, though it is not something everybody needs or chooses.