Insurance and cash prices

Does insurance cover TRT?

Your plan may pay for testosterone through your own doctor. Online programs are a different story. Here is what each insurer publishes, what each program says, and the cash price if the answer is no.

By Julian Caraulani · prices checked

None of the 12 online programs we track says it takes insurance for its own fees. 5 say they do not, and 7 do not give a clear yes or no on their own pages. Your own doctor billing your plan is a separate route, and each insurer's rules are in the guides below.

Pick your insurer

Each guide reads that insurer's own published documents and links them.

AetnaWhat Aetna's own policies say about covering testosterone therapy: the two-test rule, the age-related exclusion, prior authorization, and the cash fallback.Blue Cross Blue ShieldBlue Cross Blue Shield has no single TRT policy. See what the Federal Employee Program, Michigan and Tennessee Blue plans publish, and the cash fallback.CignaCigna requires prior authorization for testosterone, with two low early-morning tests. See what its injectable and topical policies ask for and the cash fallback.HumanaHumana lists generic testosterone cypionate at Tier 1 on a 2026 Medicare group formulary, with gels needing authorization. See what is covered and the cash fallback.UnitedHealthcareUnitedHealthcare covers injectable testosterone for hypogonadism with two low morning tests and a 12-month authorization. See the criteria and the cash fallback.

If your plan says no: the cash price

The lowest published price for TRT injections, read on each program's own site. Check the note under each one for labs or visit fees.

Lowest cash price, partner link · 8.3/10
PeterMD, from $79/mo
Visit PeterMD from $79/mo

Not in this price: $70 appointment · labs $247, $297 or $549 Quest panels. Price checked Nov 5 · Medication included · No email needed

See every TRT injections price, cheapest first.

What each program says

In its own words, from its own site. The price is its lowest published all-in plan for TRT injections.

ProgramCash fromVisit
PeterMD
No. No (may cover labs on request). 8.3/10
$79/moVisit
HealthRX
No. No (does not accept insurance). 8.0/10
$143/moVisit
Hims
No. No. 7.9/10
$128/moVisit
Taurus Meds
No. No. 7.8/10
$149/moVisit
Male Excel
No. No (FSA/HSA accepted). 6.6/10
$219/moVisit
Maximus
No clear answer. Not stated (Klarna financing offered). 8.6/10
$99.99/moVisit
DudeMeds
No clear answer. Not stated. 7.7/10
$124.58/moVisit
Hone Health
No clear answer. Not stated. 7.6/10
$183/moVisit
MangoRx
No clear answer. Not stated. 7.6/10
$149/moVisit
LifeMD Men's Health
No clear answer. Not stated. 7.3/10
$249/moVisit
Brightmeds
No clear answer. Not stated. 6.0/10
No all-in priceVisit
GoodLife Health
No clear answer. Membership is cash; medication may use insurance at the pharmacy. 5.6/10
No all-in priceVisit

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Questions people ask

Do online TRT programs take insurance?

None of the 12 programs we track says it takes insurance for its own fees. Most are cash pay.

What does testosterone injections cost without insurance?

The lowest published price we track is $79/mo at PeterMD (TRT, 12-month plan, 12-month plan ($948 total shown)). Check each program's listed labs and visit fees too.

Can I use an HSA or FSA?

Male Excel mentions HSA or FSA on its own pages. Check with your plan administrator too.

Where do these answers come from?

Each program's stance is read from its own site. Each insurer's rules come from that insurer's published documents, cited in its guide. Your own plan document decides the final answer.

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