Hi Ron! I had to travel to access bottom surgery as well, so I understand the challenges this presents. I think the closest surgeon to you would be Dr. Gast in Madison WI.
https://www.transhealthcare.org/katherine-gast/
This is a pretty good review of a Phalloplasty consultation with Dr. Gast:
https://www.reddit.com/r/ftm/comments/7d...rine_gast/
UMN takes insurance, Medicaid and Medicare.
I had surgery in Oregon and my travel costs for all stages were pretty high, to be honest. Hotel alone was in the area of $20k USD (and would have been much more in California.) Other expenses, including for a trip down when I had a complication, were about $15k. This included flights for two people and flying down from Canada is much more expensive than flying in the US.
Some insurance plans will cover travel expenses and provide a per diem for daily expenses. Otherwise, I think GoFundMe/crowdsourcing, personal savings and credit cards are how most people come up with the money. It ain't easy but it's worth it (if surgery is right for you.) Hope this helps!