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SRS helps a person born male or female switch their gender by changing outward appearances. For males transitioning to females, top modifications include breast augmentation and facial feminization.
Bottom modification consists of constructing female genitalia with a vaginoplasty.
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Even a routine medical procedure can break the bank, but the price of mending a broken bone or removing an appendix pales when compared to the process of transitioning between genders.
While the Caitlyn Jenners and Chaz Bonos of the world may be able to afford all the involved expenses, people of more modest means often struggle.
A female transitioning to a male may elect for top procedures such as the removal of breasts with a bilateral mastectomy, then reconstructive surgery to simulate a more masculine chest.
Securing a steady position has been tough, though, so he's now starting his own consulting business.
"My transition-related costs are 0,000, when I include things like gallbladder surgery and concerns with my back," says Mc Cormack.
The potential for profound hazards is inherent, though. "If you're paying ,000 to ,000 for a surgery that costs ,000 in the States, what's the quality going to be? Be wary of bargain basement deals, warns Mc Cormack: "Going for the cheapest is common.
I had a friend who had top surgery done and the results are not perfect, but it was OK -- the lesser evil of not having it done." Sensible payment options Holly Hanson, author of "The LGBT and Modern Family Money Manual" and founder of Los Angeles-based Harmony Financial Strategies In fact, Shanahan has paid for her portion of the procedures with a credit card.
"The lure of wanting do something like that is there," says Omaha, Nebraska, resident Kitty Shanahan, who is 27, a debit card specialist at Pay Pal, and in the process of transitioning from male to female. Sounds great, but do they want to make you do something you don't feel comfortable with? There's always the desire for the easy way, but there's also always a catch." Another popular method to save money is by having sex reconstruction procedures done abroad.