TRT Clinics That Accept Insurance
TRT can cost $150-400/month out-of-pocket. With insurance coverage for documented hypogonadism, generic testosterone injections typically cost $10-30/month. These clinics bill insurance directly.
Veterans: Tricare and VA Coverage Available
Tricare covers TRT for eligible service members and retirees with documented hypogonadism. The VA provides TRT through VA pharmacies for enrolled veterans — often at $0-15/month depending on your disability rating. Combat deployments, TBI, and chronic stress are documented causes of secondary hypogonadism that may strengthen your coverage case. Ask your VA provider or Tricare-accepting clinic about your options.
What Insurance Covers (and What It Does Not)
✓ Typically Covered
- Generic testosterone cypionate injections
- Generic testosterone enanthate injections
- FDA-approved brand gels (Androgel, Testim) — with prior authorization
- Baseline and follow-up lab work
- Office visits with in-network providers
✗ Rarely or Never Covered
- Testosterone pellets
- Compounded testosterone creams or gels
- Oral testosterone (Jatenzo) — expensive, sometimes covered
- Ancillaries (hCG, anastrozole) — plan-dependent
- Cash-pay telehealth TRT subscriptions
Insurance-accepting clinic listings are being verified and added.
Browse all TRT clinics →Common Questions
What do I need for insurance to cover TRT?
Two morning fasting blood tests below 300 ng/dL (at least one week apart), documented symptoms in your medical record, and a prescription for an FDA-approved testosterone formulation. Pellets and compounded creams are almost never covered.
How much does TRT cost with insurance?
With coverage, generic testosterone cypionate typically costs $10-30/month at your generic drug copay. Total out-of-pocket (medication + labs + visits) is usually under $100/month with good coverage.
Does Tricare cover TRT?
Yes. Tricare covers FDA-approved testosterone for service members and retirees with documented hypogonadism. The VA provides TRT through VA pharmacies for enrolled veterans.
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