Even with HRT, not all unwanted hair goes away. Many transgender women still experience the five o'clock shadow and body hair. To get rid of it, they usually turn to electrolysis.

Depending on how much hair you're trying to remove, costs vary. At the very least, transgender women typically remove facial hair, according to Sabrena Smith, owner of Sabrena Smith Electrolysis in Hollywood, CA. Smith says that after being on HRT, most of her clients find that their arm and torso hair stops growing in. For those who don't experience less hair growth, shaving is usually the norm.

However, hair growing on places like the back is hard to take care of, says Monica Prata, a feminine image consultant and owner of Nouveau She, a service that helps transgender women with the transition process. She has some clients who have spent around $40,000 on hair removal via electrolysis. It's also a painstakingly long process -- complete removal of a beard for someone not on HRT can be around 200 hours -- "you're zapping hair by hair," says Prata.

Some of Prata's clients turn to laser hair removal, which is ideal for someone with lighter skin and dark hair. It's less expensive and less painful, but it does require upkeep for the rest of your life (nope, it's not permanent), and it won't work on grey or light hair.

Cost: For just the face, Smith says most pay between $10,000 and $20,000, though it can cost less once HRT kicks in and the body stops producing as much hair. The full body can be up to $60,000 and take several years, according to Smith.

Before most transgendered patients undergo facial, genital or body surgery, counseling is recommended -- and for a full genital and breast transformation, it's required by insurance and doctors.

Sometimes insurance covers therapy -- or a portion of it -- especially if gender dysphoria is causing depression, says Hanson. Seeing a therapist can literally pay: If you are diagnosed with gender identity disorder, you may get a deduction in medical expenses if they cost more than 10 percent of your income, says Hanson.

Cost: Anywhere from $50 to $200 per therapy session, depending on how much your insurance covers.

As you might expect, facial surgery to look like a woman varies greatly from one patient to the next, says Dr. Jeffrey Spiegel, MD, Chief of the Division of Facial Plastic and Reconstructive Surgery at Boston University Medical Center. "Believe it or not, not everyone wants to look stunning," says Spiegel. Some people prefer to look androgynous.

"A transgender woman typically wants to blend in and be seen the same as every other woman," says Spiegel. Her end goal is to pass as a woman, not a transgender woman.

On average, Dr. Spigel performs about two to five facial feminization surgeries a week. This includes any of the following procedures:

-Rhinoplasty: $7,000*
-Adam's apple surgery: $5,000*
-Lip augmentation: $5,000*
-Forehead contouring: $12,000*
-Jaw and chin reshaping: $10,000*
-Cheek augmentation: $2,000-$7,000*
-Scalp advancement (a lowering of the hairline and adjustment of the eyebrows): $8,800*
-Facelift and eyelid surgery for older patients: $12,000*

The most common procedures involve the brow bone and Adam's apple, according to Dr. Gary Alter, MD, board-certified plastic surgeon and RealSelf.com contributor, who recently added Caitlyn Jenner to his patient roster.

Cost: $17,050 is the average price for facial feminization surgery, though Prata notes many of her clients spend around $30,000.

Hormone replacement therapy can only give you so much cleavage. After that, transgender women look to breast implants. Breast augmentation is considered a cosmetic aspect of the transformation, so most insurance companies do not cover it.

Cost: On average, male-to-female breast augmentation is $5,175*.

In case you hadn't noticed, a male-born body is shaped very differently than a female-born body, with fat and muscle distributed in different areas. Alter works with patients to create a more feminine, hourglass shape by providing liposuction in some areas (usually the abdomen and "love handle" areas) and inserting the fat elsewhere, such as the butt.

Cost: $5,000 to $10,000*