In regards to insurance. I know Dr Meltzer accepts one carrier and/or if you can get prior auth and/or an agreement between him and your carrier for "one time" coverage.
I'm on Medicare myself. Trans Medicare has a list of trans surgeons who accept Medicare
http://www.transmedicare.com/provider-list.html?mMight be worth seeing if they accept yours.
I would wait until your ready to pursue surgery though. If you have an insurance carrier that covers gcs see who they are contracted with or if they accept out of network physicians with the prior auth.
If your making an attempt for a specific surgeon that accepts insurance, plan on getting coverage with them (and the right plan/meeting any requirements etc) when open signup is available.
You can also look into states like California where coverage is better if your willing to move.
That thought has crossed my mind.
I think carecredit is accepted by many surgeons. No idea if it's accepted for those outside the states though.
Good luck!
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