Alrighty. This may be all over the place, so forgive me. If it's too convoluted I'll come back and edit.
You have 2 options as far as getting a prescription:
- Most common: You speak with a therapist about your gender stuff for however many sessions they choose, they write you a referral for Hormone Replacement Therapy (HRT), and you take that letter to a doctor who will agree to administer and monitor your hormone levels. The therapist refers, the doctor prescribes. The trick with this course of action is finding both a therapist and doctor who will agree to work with you.
- Less common: You find a doctor or organization that operates on informed consent, make an appointment, speak with a doctor and fill out some forms, get your blood tested, and they agree to administer and monitor your hormones. If you feel that you do not need/would not benefit from therapy, can't afford therapy, are saving money for surgery, etc. informed consent is generally the cheaper path to go down. Planned Parenthood offers HRT at some locations. If there are no LGBTQ resources near you, then I would advise you to start calling Planned Parenthood locations.
But! If you're working with your insurance and want them to cover the cost of things (T, doctor visits, and potentially surgeries down the road), you may need to speak with a therapist first. You would need to check with your insurer. Some of them don't care, some of them want a paper trail.
As far as T delivery methods, your options in the US will be injections, gels/creams, and pellets. I know we don't do pills here, and I don't think I've seen patches either. There is virtually no difference between what they'll all do for your T levels. They will all get you there. Evidence that people present leaning one way or the other is anecdotal at best. Speaking from personal experience, I had just as many changes on gel as I maintain on injections.
The only significant difference is going to be price and how they fit with your lifestyle. Shots are cheap. Gels/creams are much more expensive. There are quite a few threads you can read about the current prices floating around. I started on gel because I also had a needlephobia and the price of gel was low when I started. When the price went up, I switched to shots. I now have no issues with needles, am saving tons of money from what I would be paying for gel, have the same amount of masculinization as before, and I only have to stick myself once a week as opposed to applying gel daily. Win/win/win/win.
Hope this helps a bit. Feel free to message me if you have more questions once you've made enough posts to PM.