Does Cigna Cover Testosterone Cream or Gel?
Cigna's policy IP0350 says prior authorization is required for topical testosterone, with two low early-morning tests documented for a new start. Brand AndroGel has an extra condition tied to the generic gel. 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 · 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"
"The two serum testosterone levels are both low, as defined by the normal laboratory reference values"
"The patient has tried testosterone topical gel (the bioequivalent generic product)"
Part of the condition for brand AndroGel.
"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 covers named gel products. Compounded testosterone cream is not among the products we saw it name, so do not assume it applies.
- 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 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 Cigna cover testosterone cream?
Cigna's policy IP0350 says prior authorization is required for topical testosterone, with two low early-morning tests documented for a new start. Brand AndroGel has an extra condition tied to the generic gel. 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 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.