Insurance

Yes, most insurance plans cover TRT — but only if you meet strict criteria. You’ll typically need two separate morning blood tests showing total testosterone below ~300 ng/dL, documented symptoms, and prior authorization from your insurer. That’s why many men with borderline levels — or those who just want a faster, simpler process — use cash-pay online clinics at $99-250/month instead. Here’s exactly how coverage works, how to qualify, and what to do if you’re denied.