Time magazine had an article on 10/29/2015 in its Money section. They looked at the surgery costs from the Philadelphia Transgender Surgery Center. The total cost Time cited was on average $100K+ including follow-up. I don't know if the total costs included the time from lost work and included psychiatric/psychological costs and lifelong hormonal therapy? Other estimates peg the male-to-female surgeries at around $25K and female-to-male at around $50K (Yale Univ. article). Any reasonable reading of the costs reveal extraordinarily high costs upfront and downstream for years.