For doctors, I go to Whitman Walker Clinic in DC. They're informed consent based and they take care of all my hormones, lab work, primary care, and pharmacy needs. They also helped me get my name change and gender marker change paperwork together for free. If you live near a big city, there is likely something similar around.
They also have therapists onsite, but it was cheaper and more in line with my schedule to do online sessions. I started with Melissa Leonhardt and fired her less than two months later. I got my referral for top surgery from Graham Peveller. I know there is some negative stuff out there online about him, but I had a great experience and am planning on doing some additional sessions with him next year for my bottom surgery referral.
See what your insurance actually covers and what they require to have them cover it. Some plans will cover all the way through GRS, but you need to start with therapy, then hormones, then top surgery, then a hysto, etc. and keep them in the loop through each part of the process. Don't waste your time looking for a therapist that takes your insurance if their referral isn't needed to get other things covered by your insurance.