All the people I know that had sex change operations did so at a much younger age, 30's or 40's, rather than wait until after age 65 to make this radical change. If the OP wants to make the change now, so be it. I hope he/she made their wishes known to his/her congressman.
Personally, I believe more medicare dollars should be invested in Alzheimer's and other dementia related illnesses than sex change operations.
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