And... apparently it is a professional code violation enforceable by any state officer or licensing board. So I would say that you are entirely forbidden from any gender affirming counseling of any type regardless of what insurance is in use.
Not a lawyer, but I'm unsure if liability insurance would cover you if you practice outside your license -- so potentially forget having any liability insurance when citizens sue you... Including the minor themselves up to 20 years after they reach the age of adulthood.
This kind of right-wing legislation is usually cookie-cutter, so we can reasonably expect this is being tried in about 1/3 of US states right now in some form.
When the right-wing seizes power in 2024/2025, expect this to go national at the Federal level.