>>8873
HRT will require:
Several sessions at a therapist. Usually six before they will write a recommendation, but if she has been living as trans for some time they can make an exception.
Sessions are about $100 a pop if you pay cash.
Then a visit to an endocrynologist for blood work and exam. Probably $150 for the doctor appointment, and $150 for the blood tests. Possibly negotiable if you are paying cash.
Hormones themselves are about $50 a month cash. They cost less than aspirin.
So all told, the expense for HRT is probably around $1000 to get started, and $50 a month for life.
If this is outside your budget, you will either have to get insurance, or go black market.
Black market is dangerous. Maybe you get the pills, maybe you get rat poison and sugar.
If you need insurance, look for large corporate jobs. Their insurance plans will cover at least therapy and hormones.
Paypal, Google, etc. have call centers, and they pay 100% of transition related costs (therapy, surgery, the works). The more "SJW" a company is, the more likely they cover everything, and the more likely a "T" under gender gets you a diversity hire in HR. However, that requires selling your soul to the SJW crowd. Start practicing your privilege checking :(
Do some google fu, find what is in your area for employment.
Or you could join the military and get health care for life. Great benefits, great training, first year sucks though. They still find reasons to disqualify trans applicants, but I don't think they discriminate against trans spouses anymore.