Does Blue Cross Blue Shield Cover Testosterone Cream or Gel?
Blue Cross Blue Shield is not one insurer. The Federal Employee Program policy 5.30.031 says listed gels and a patch may be considered medically necessary for testosterone deficiency when its conditions are met, including two low morning tests. Other Blue plans write their own policies. If the answer is no, the lowest published online cash price we track is $99.99 a month.
By Julian Caraulani, reviewed by Dr. A. Goher, MBBS · Blue Cross Blue Shield documents read · not legal, insurance or medical advice
What Blue Cross Blue Shield publishes, in its own words
"Androderm patch, AndroGel gel, AndroGel pump, Axiron solution, Fortesta gel, Testim gel, or Vogelxo gel may be considered medically necessary if the conditions indicated below are met."
"Deficiency of testosterone (hypogonadism)"
"Two morning total testosterone levels less than 300 ng/dL on different days"
"Patients over 40 years of age must have baseline prostate specific antigen (PSA) less than 4 ng/ml"
"Hematocrit less than 54%"
BCBSA Federal Employee Program policy 5.30.031: Effective 1 Jul 2026.
What this does not tell you
- This speaks for the Federal Employee Program only. Your Blue plan may differ, so check its own policy.
- The policy names approved products. It does not name compounded testosterone cream.
If your plan says no: the cash price
Not in this price: labs $199.99/year panel. Price checked Nov 5 · Medication included · No email needed
Price checked Nov 5 · Medication included · No email needed
Computed from each program's own page. Some programs pay us a commission when a reader signs up; that never changes the order. How we make money.
Questions
Does Blue Cross Blue Shield cover testosterone cream?
Blue Cross Blue Shield is not one insurer. The Federal Employee Program policy 5.30.031 says listed gels and a patch may be considered medically necessary for testosterone deficiency when its conditions are met, including two low morning tests. Other Blue plans write their own policies. Read November 6, 2026.
What if my plan says no?
The lowest published cash price we track for testosterone cream is $99.99 a month at Maximus (Testosterone cream, 6-month plan), read on its own page. Check what that price leaves out, such as labs.
Do online programs bill Blue Cross Blue Shield?
None of the programs we track says it takes insurance for its own fees. Ask the program before paying.
TRT Watchdog is for information only and is not medical advice. Testosterone is a prescription controlled substance; talk to a licensed clinician about whether it is right for you.