Does Cigna Cover Oral Testosterone?
Cigna's policy IP0350 says prior authorization is required for oral testosterone, with two low early-morning tests documented for a new start. On some drug lists, one oral brand has a condition tied to trying another. If the answer is no, the lowest published online cash price we track is $149.99 a month.
By Julian Caraulani, reviewed by Dr. A. Goher, MBBS · Cigna documents read · not legal, insurance or medical advice
What Cigna publishes, in its own words
"Prior Authorization is required for benefit coverage of oral, topical, and nasal testosterone products."
"measurements, each taken in the early morning, on two separate days"
"Patient has tried and, according to the prescriber, the patient has had inadequate efficacy or significant intolerance to Jatenzo (testosterone undecanoate capsules)"
Listed for Kyzatrex on Value, Advantage and Total Savings Drug List plans.
"In the event of a conflict, a customer’s benefit plan document always supersedes the information in the Coverage Policies."
Cigna Coverage Policy IP0350: Effective 15 Jun 2026.
What this does not tell you
- The policy names Jatenzo, Kyzatrex and Tlando. It does not address compounded oral products.
- It lists approval criteria and is not a statement that your plan pays.
If your plan says no: the cash price
Not in this price: labs $199.99/year panel. Price checked Nov 2 · 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 Cigna cover oral TRT?
Cigna's policy IP0350 says prior authorization is required for oral testosterone, with two low early-morning tests documented for a new start. On some drug lists, one oral brand has a condition tied to trying another. Read November 6, 2026.
What if my plan says no?
The lowest published cash price we track for oral TRT is $149.99 a month at Maximus (Oral testosterone, 6-month plan), read on its own page. Check what that price leaves out, such as labs.
Do online programs bill Cigna?
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.