My consult was pretty fast. I got a letter from my therapist, submitted to my provider, they submitted the request to my insurance, I had a number to the surgeon's office a couple weeks. The appointment was about 3 or 4 weeks out when I scheduled it. That was more of a general "this is what ffs is, these are the risks, etc". Then I had to get a face scan, then I had to set up another appointment and that's when they discussed a plan and what they wanted to do for ffs with my specific bone structure and like what they wanted to do with my hairline and so on. Then we set a surgery date which was a few months out. From getting my insurance approval to actual surgery it was like maybe around 12-ish months? This is standard in my area judging by the trans girls I've talked to, hopefully it'll be the same for where you're going.

It depends on the surgeon I'd guess. Not sure how long out they're booking, I know people who got in for consults reasonably quickly. Once you're in [blue state] I'd hope insurance would cover it depending on what you have. Though if you're on your parents insurance it might be harder to hide this from them. Plus at that point you'd need to be out to your doctor and probably have a gender dysphoria diagnosis to get this stuff covered.