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Both men and women receive hormone therapy and extensive counseling before any medical procedure is performed, with ,000 being a low annual estimate.

Add extra cosmetic work to the mix -- such as a tracheal shave to pare down an Adam's apple for a more feminine look or buttock reduction to attain a mannish posterior -- and the cost escalates.

"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.

There are online guides galore, as procedures can be significantly less expensive in the Philippines, Mexico and Thailand. For something that important, you need to have the exact right doctor to make sure you have the best outcome." says Shanahan. Reputable online guides for doctors who perform sex reconstruction in the States are published on Planet Transgender.

In reality, the total outlay can be far higher than many anticipate or can realistically afford.

Transgender, as defined by Merriam-Webster, is "relating to, or being a person who identifies with or expresses a gender identity that differs from the one which corresponds to the person's sex at birth." Which is where sex reconstruction surgery (SRS) comes in. But to simplify, think upper and lower body modifications -- commonly referred to as top and bottom procedures.Creating a penis, called a phalloplasty, is the lower body modification.The average cost range for the top and bottom combination is broad, at ,000 to over ,000, since there are multiple types of genital surgery.For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers.Anything you post may be disclosed, published, transmitted or reused.

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