No, she doesn't necessarily have any visible male genitalia. She may simply lack the full range of female reproductive equipment, such as ovaries, which would necessitate her taking hormones. Google "intersex."
[i]Intersex is a group of conditions where there is a discrepancy between the external genitals and the internal genitals (the testes and ovaries).
The older term for this condition, hermaphroditism, came from joining the names of a Greek god and goddess, Hermes and Aphrodite. Hermes was a god of male sexuality (among other things) and Aphrodite a goddess of female sexuality, love, and beauty.
Although the older terms are still included in this article for reference, they have been replaced by most experts (and patients and families) because they are misleading, confusing, and insensitive. Increasingly this group of conditions is being called disorders of sex development (DSDs).