In Oregon the wait list is not very long for surgery, but the problem is getting electrolysis by someone who takes insurance. Currently as far as I’m aware, OHSU is the only place doing bottom surgeries. You can get OHP to cover everything, and you get the insurance immediately after moving if you are low income. Side note, you can get a vulvaplasty done very quickly, but if you want the full vaginoplasty, it requires electrolysis. Dr Dy at OHSU said I could get the vulva first and if I wanted the vagina later, I could have a second surgery, but I think the skin would have to come from my side.
Medicare might be different, what I was talking about is Oregon’s medicaid program, OHP. For OHP I don’t think you need a permanent address, you can be homeless and list your address as “general delivery” at the local post office. But Medicare is an entirely different program, and I can’t tell you whether you can have both Medicare and OHP, the rules get very complex