As to the cost, it isn't easy. I did have to take out a couple of high-interest loans. I'm trying to save for SRS but it is becoming extremely difficult because all of these other expenses are hogging up my funds. I work full time, don't make excellent money, but make enough to pay the basic bills without too much fancy stuff. These expenses were over the course of four months so I'm averaging about $345 per month similar to a car payment. The good news is that I expect these costs to go down a bit because my therapist has switched me to once a month instead of twice per month. This is why it always baffles me when I see people parade around that they are TS like it is some fashion statement or club to be in. The reality is that it is an expensive condition most insurance companies don't cover and most people can't afford to deal with very well. I think the insurance industry is a worthy battle for TS people to fight and mainly through our employers. Many employers these days have diversity statements, strive to be diverse and inclusive, and some employers already are covering SRS and other TS-expenses although not every many.