First let me mention that most of my transsexual clients pay my treatments without support of insurances. Many transwomen struggle around with laser treatments payed by themselves , or if they cannot afford with tweezing or using rotary epilators (which i did as well). Many transwomen would be glad if they had an income allowing them to avoid struggling for insurance coverage of theit treatments - often over several years.
Now please let me switch to my role as a transgender activist:
Situation here in Germany: there are no special regulations for trans women at all.
The official medical indications for electrolysis all refer to “native” women (a bit unsharp because transwomen are also native woman, but i hope you get the point). So in theory any woman with excess hair growth can visit a physician and let him remove these hairs - on “insurance card”.
Transwomen always need to apply for such treatments - just because of the volume and because there are no physicians willing to that job. Even if they own an electrolysis device, they usually restrict its use on smaller amounts of excess hair of native women (well actually they send them to their laser studio next door…).
Obtaining the coverage of the cost of electrolysis is usually by far the most difficult part of a transition - You often need a lawyer to obtain coverage by the insurance. That a hard path, and every woman with severe hirsutism does of course also have this option.
The rights are indeed the same. Yes, and it is not ok, that in actual practise women will have more problems to obtain their rights.
On the other hand the situations are not entirely comparable: a typical male beard is usually much denser than even severe forms of hirsutism, making successful transitions without beard removal practically impossible. Women with hirsutism always pass as women, transwomen with untreated beards usually do pass as men.
Shaving is not an option: if you - as i had to - need to shave three times a day in order to keep your skin smooth enough that is possible to cover the shadow of the beard under a thick layer of theatre makeup Your skin will be severely damaged within a few months. And with such a kind of masquerade it will be almost impossible to find employments - roughly 2/3 of all trans women in Germany are unemployed or unemployable - inlcuding me. I am really lucky having found my niche, even one that i love; my alternative would be Hartz IV without any perspective to come up on my feet again (BTW: i have been a project manager in the IT industry).
FIRST give trans people better social perspecitves and remove discriminiation at work or obtaining work at all. THEN we might start to talk about other things.