Does Cigna Cover Testosterone Injections?
Cigna's policy IP0351 says prior authorization is required for injectable testosterone, and a new start needs two low early-morning tests by the lab's reference range. Whether Cigna decides coverage at all depends on your plan. If the answer is no, the lowest published online cash price we track is $79 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 injectable testosterone."
"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"
"Certain Cigna Companies and/or lines of business only provide utilization review services to clients and do not make coverage determinations."
"In the event of a conflict, a customer’s benefit plan document always supersedes the information in the Coverage Policies."
Cigna Coverage Policy IP0351: Effective 15 Oct 2026.
What this does not tell you
- The policy lists criteria for approval; it is not a statement that your plan pays.
- It names approved products such as Xyosted, Aveed and Testopel; it says nothing about online cash programs.
- We found no separate Express Scripts testosterone policy to quote.
If your plan says no: the cash price
Not in this price: $70 appointment · labs $247, $297 or $549 Quest panels. 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 TRT injections?
Cigna's policy IP0351 says prior authorization is required for injectable testosterone, and a new start needs two low early-morning tests by the lab's reference range. Whether Cigna decides coverage at all depends on your plan. Read November 6, 2026.
What if my plan says no?
The lowest published cash price we track for TRT injections is $79 a month at PeterMD (TRT, 12-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.