Jmaxley, as far as I know the only way for Medicare/Medicaid to cover T would be if your doc would write it up as some sort of necessary fix to a hormonal imbalance. As for surgeries, it is seen as elective/cosmetic and not medically necessary treatment and won't be covered. Therapy I believe would be covered, however.
As with any medical insurance, it can often require the creative "white lie" on your doc's part to give you the coverage we deserve.