Notes:
Transgender people include transsexuals, crossdressers, and many smaller categories.
Transsexuals are those who desire to permanently change their sex, either from Male to Female (MTF) or from Female to Male (FTM.)
A transsexual usually has a therapist (mental health counselor) guide them on their journey.
The therapist uses a diagnosis of Gender Identity Disorder (GID) to begin treatment.
There is a standard treatment for GID, and this treatment will incur medical costs.