This is actually a lot to answer. This may be a long post, so I apologize in advance if it's all over the place.
The first step I personally took towards physical transition was contacting my local LGBTQ center regarding their need for mental health referrals. I wanted to be sure that if I was going to spend money on a therapist, that they would accept their referral. As it turns out, I didn't need a referral to start T at all, as they're an informed consent based clinic. So I went ahead and started T without a therapists's involvement. For top surgery, I had a few sessions with a therapist over about a month, and he wrote my referral. I had top surgery less than a year after coming out, having been on hormones for 4 months.
You do not need to be on T to have top surgery. It is no longer a part of the guidelines, and many surgeons are totally fine performing the surgery on you pre-T. That being said, a few pieces of advice:
- Figure out what procedure you want to have done. There are several. Some surgeons are better than others at specific procedures. Narrow your search based on procedure and then surgeon. YouTube and Transbucket are great resources for looking at results.
- Figure out how you're paying for it. Some surgeons do not take insurance. Some insurers have certain requirements you need to fulfill before they'll cover your surgery (mental health referrals, X number of years on T, etc.). It is much better to do your research in advance and plan ahead than to jump in and have to backtrack.
- Find a therapist, if not for your mental health just for the sake of getting your referral written in advance. There are very few surgeons who will perform surgery without a referral from a therapist. It doesn't have to be a big ordeal. My sessions were online in a chat box and lasted about 45 minutes once a week for four weeks.
- Start looking for a doctor for T. If there are LGBTQ resources in your area, approach them and ask. They almost always have a good idea of what is available. Planned Parenthood does HRT at many locations, but not all of them. You would need to call and ask at each specific office. Barring those options - anyone who can write a prescription can prescribe HRT. Could be a family doctor, nurse practitioner, an endocrinologist, gynecologist, etc. You would just need to ask around until you find someone willing. They will take care of the specifics as far as what kind/dose/frequency of T to put you on.