I'm really not trying to be abrasive or really even argumentative. But two things...
First off, you talk about something that is as important to you as changing your body to match your gender, and you allow the insurance company to decide whether you fill a script or not? Seriously? If you have the script, you fill it, period. If the insurance pays, great; if they don't, that's fine too. If you think the insurance company should have paid, file a claim direct afterwards. Regardless, the pharmacy does not care who pays. Get the script. Fill it. Pay the clerk. Forget the insurance company.
Second thing, IC and hole in the wall. What do you expect in a model that doesn't have all that much patient contact? Do you think some grand wizard just forwards them a check for $150k a month for rent, power, lights, liability, whatever? Best obgyn I ever met worked out of a rathole in a run down building, lots of patients, everyone in the waiting room sitting on decades old lunchroom chairs. The rathole did not impact quality of care.
I still can't get past the insurance thing though? Really?

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I've paid thousands in retail for meds not covered by insurance, thousands. I drive a crappy, 20yr old truck, and my family is healthy(ish) and well cared for, despite our health issues. E & tblockers don't cost beans.