Does Humana Cover Testosterone Cream or Gel?
One Humana list we could read, the 2026 Group Medicare commonly prescribed medications list, shows generic testosterone gel at Tier 1 with prior authorization, and brand gels at higher tiers. That is one group formulary, not your plan's answer. 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 · Humana documents read · not legal, insurance or medical advice
What Humana publishes, in its own words
"testosterone transdermal gel packet (T1) (PA)"
Humana 2026 Group Medicare commonly prescribed medications list, read
"testosterone transdermal gel pump (T1) (PA)"
Humana 2026 Group Medicare commonly prescribed medications list, read
"AndroGel 1.62% transdermal gel packet (T4) (PA)"
Humana 2026 Group Medicare commonly prescribed medications list, read
"AndroGel transdermal 1% gel packet (T3) (PA)"
Humana 2026 Group Medicare commonly prescribed medications list, read
"Medications listed in the “Medications Tier 3, 4” column are covered, but at a higher member cost share."
Humana 2026 Group Medicare commonly prescribed medications list, read
"PA = Prior Authorization"
Humana 2026 Group Medicare commonly prescribed medications list, read
Humana 2026 Group Medicare commonly prescribed medications list: 2026 list, one group plan formulary.
What this does not tell you
- This covers one Group Medicare list, and Humana says it is not complete.
- The list names gels and a patch. Compounded testosterone cream is not on it.
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 Humana cover testosterone cream?
One Humana list we could read, the 2026 Group Medicare commonly prescribed medications list, shows generic testosterone gel at Tier 1 with prior authorization, and brand gels at higher tiers. That is one group formulary, not your plan's answer. 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 Humana?
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.