I'm very fortunate that I live in a major metropolitan city and we have an LGBT health center that operates on a sliding scale payment system. If we didn't have this clinic I wouldn't be on T right now. They operate off the Informed Consent model for obtaining hormones (whether for FTM or MTF transition). It's usually 3-4 appointments consisting of an intake, a hormone advocate (therapist) visit, and then your actual day you get your RX and learn to inject yourself.
Most major cities should have some form of a LGBT health center these days. I know I've seen more of them popping up even in the past year. There's resources out there - you just have to know where to look.