Also, is there any insurance that covers T? If so, what kind will it cover, and how much will that cost? I'm good with any kind except pills. =]

T patches are only good to restore grandma's libido. They do not have enough T to masculinise.
You will need to go with gel or injections. There are pills but they play hell on your liver. The cheepest is injections.
Most insurance will not pay for your HRT if they know it is for transition.

Personaly I am on medicare/medicaid and technically they will not pay for transition related expenses, yet my HRT has been covered by my insurance this entire time. I am guessing my doctor knows how to code to get past the rules. But I don't really know.