I don't know about MtF surgeries. Many MtFs have mastectomies, and those may be covered. A lot of MtFs, though, don't bother with bottom surgery. The options are difficult and not very acceptable compared to the real thing. And, as far as I can tell, the mindset of transmen about their bodies and place in society is not the same as the way transwomen tend to feel about themselves.

Still, although it's certainly true that not everyone needs genital surgery (I did not; I needed other things) it is simply inhumane to deny such an effective treatment for those women (or men) who can gain much-needed relief from the surgery. Gender dysphoria is NOT something to trifle with, as I have learned to my sadness in my own life.