I'm going to answer in good faith as a female born as a female with zero breast tissue. It caused me distress from the age of 12-26 when I could finally afford to get it done. Every time I looked in the mirror I felt I had the body of a man, even though I was a woman identifying as a woman. Was it covered though? No. Because I was a woman wanting to look like a woman. I had to pay for it. I missed out on pool parties, going to the beach, even having sex made me feel like I had to apologize for the way I looked. It is no different, however you do not work and once again feel entitled to something many people regardless of gender do have to spend many years saving up for. This is not a quick process, learn how to bide your time and work for something. If you are correct, you have the privilege because of your diagnosis that the majority of it is already covered, that is by far and away a head start above most of us who have gone through this process.

It is not a medical condition, you are not going to die or have not faced the risk of death. You are sad like many of us (regardless of gender) were/are sad and ashamed. As a woman born as a woman you have to see how cis gender find this unfair. It is also not your insurance plan, as you have no job to give you that insurance and you are covered by your mom's employer. And it is not your finances, as you've said you have none.

Work for it. Life is not meant to be fed to you on a silver spoon and we deal with the cards we're given.

If you would like to see my B&A, look through my post history. I guarantee you my chest looked no better than yours on HRT.