Well, let's take a step back and I'll give you some accurate information which will help you on your journey. First, in order to get HRT properly you will first need to find and work with a qualified therapist. Based on your therapist's diagnosis of your having Gender Dysforia and his/her recommended treatment of HRT you can go to a endocrinologist and get a prescription for hormones.
This is based on the WPATH's Standard of Care which is more or less a globally accepted document for the care of transgendered individuals. Thus if you follow this recommended path, you will find that treatment in all states are the same.
Cost, well if you believe you are a transsexual and you are going to transition, the costs involved include: your therapist, laser and/or electrolysis treatments, your endocrinologist, the cost of HRT medications and ongoing blood tests. In terms of surgeries, you may need FFS ( Facial Feminazation Surgery), BA (Breast Augmentation), and finally bottom surgery. Depending upon who you use as your surgeon I have read estimates of up to $100,000 for everything if done by the best doctors.
Fertility, if you transition and go on HRT you can forget about fertility. Part of the process usually includes combining the estrogen with another medication which reduces and blocks the production of testosterone. No testosterone, no babies.
I am happy to understand that you are 100% certain of you desires, but I encourage you to find a qualified therapist to work with as your first step. Only with this type of support and guidance can you be assured that you are doing the right things for you and that you will not have any regrets later.
