How Much Does TRT Cost? With and Without Insurance

THE QUICK ANSWER

Clear pricing from the start

• At NovaGenix, testosterone replacement therapy starts at $129 per month. That price includes physician visits, lab review, your medication, supplies and shipping.
• The initial male hormone panel is $125, billed separately.
• We’re self-pay and don’t bill insurance. If you ask, we’ll work with you to create a superbill you can submit to your plan for possible out-of-network reimbursement.
• Insurance can cover TRT for some men, but usually only after two early-morning blood tests fall below your plan’s cut-off and the plan approves it in advance. Even then, you’ll typically still pay copays and deductibles, follow the plan’s protocol and renew approval every 6 to 12 months. See what insurers require.

Pricing terms confirmed with NovaGenix October 13, 2026. Your individual quote confirms the price for your plan; $299 is not presented as a guaranteed maximum.

A treatment plan built around you

We do not use one treatment plan for everyone. Your physician considers your symptoms, medical history, laboratory findings and goals before recommending care. Your budget is part of that conversation, so we can discuss clinically appropriate options and explain their costs.

The prescribed amount of testosterone and any ancillary medications can change the monthly price. A plan with additional medications, such as hCG, may cost more than the starting-price program. These medications are considered individually and are not required for every patient.

Learn about testosterone replacement therapy and discuss fertility goals before starting treatment.

What your monthly program includes

No startup costs. No cancellation fees.

There are no startup costs or cancellation fees at NovaGenix. We ask for 30 days’ notice of cancellation or payment of the remaining balance for medications you have already received.

Before you enroll, we explain your billing arrangement and how the cancellation terms apply to medication already supplied. Contact our team when your plans change so we can clarify your final payment and any next steps.

What does TRT cost per year?

Monthly prices hide the real total. Here’s how a first year at NovaGenix adds up at the starting price.

Example only. Your plan, dose and lab schedule may differ. Dr. Mackey orders labs every 6 to 12 months, or more often when he decides it’s needed. You can also order labs whenever you want, at $125 per panel.

When you compare clinics, compare yearly totals for the same scope of care: medication, visits, labs, supplies and shipping.

What changes the price of TRT?

• The type of testosterone. Generic injectable testosterone (cypionate or enanthate) is usually the least expensive option. Brand-name gels, auto-injectors, oral products and pellets generally cost more. Pellets also require an in-office insertion procedure. NovaGenix doesn’t offer pellets: once a pellet is inserted, the dose can’t be adjusted.
• Your dose. A higher weekly dose uses more medication.
• Added medications. Some men need hCG to support fertility or testicular function. See how much hCG costs and hCG therapy at NovaGenix.
• How often you need labs. Labs are required every 6 to 12 months, or more often when Dr. Mackey decides it’s needed.
• How you’re seen. In person in Jupiter, or by telemedicine anywhere in Florida when clinically appropriate.

Does insurance cover TRT?

For some men, yes. But coverage is usually harder to get, and harder to keep, than people expect. Insurers cover testosterone for diagnosed testosterone deficiency (hypogonadism) documented the way they require. They generally won’t cover it for low energy, fitness or “optimization” if your levels are above their cut-off, even when you have symptoms.

What insurers usually require

Each plan sets its own rules. Most follow the same pattern:

• Blood tests below a set number. The American Urological Association guideline uses a total testosterone below 300 ng/dL as a reasonable cut-off, measured on two separate early mornings. Many insurers use that number. For example, the Blue Cross Blue Shield Federal Employee Program policy (effective July 1, 2026) requires two morning total testosterone levels under 300 ng/dL, drawn between 8 and 10 a.m. on different days.
• “Low” means below the lab’s normal range, not how you feel. Many plans approve TRT only when your results fall below the lab’s reference range for normal testosterone. Cigna’s policy, for example, requires two low results “as defined by the normal laboratory reference values.” So a man whose level comes back at 300 ng/dL can be denied coverage because he’s still technically within the normal range, even if he has every classic symptom of low testosterone: fatigue, low libido, poor sleep, weight gain and brain fog. Insurance looks at the number. A physician looks at the whole picture.
• Symptoms. Your prescriber documents them, for example low libido, low energy, depressed mood or loss of muscle mass.
• Safety labs. Many plans require a PSA test (usually for men over 40) and a hematocrit before approval. The FEP policy, for example, requires a PSA under 4 ng/mL and a hematocrit under 54%.
• Prior authorization. Your prescriber submits paperwork, and the plan approves a set period: 6 months at first under the FEP policy, 12 months under Cigna’s.

The restrictions that come with coverage

Approval doesn’t end the paperwork. Insurance coverage puts limits on both you and your doctor:

• A set protocol. Plans decide which products they’ll pay for and in what order. Cigna’s policy, for example, requires men to try generic testosterone injections before it will cover certain auto-injector or oral products. Your treatment is shaped by the plan’s formulary, not only by what fits you.
• Limits on your levels. To renew, the FEP policy requires your testosterone on treatment to stay at or below 800 ng/dL. It also requires yearly testosterone, PSA and hematocrit checks.
• Proving you were low to begin with. Plans ask for your pre-treatment lab results. If you started therapy elsewhere and can’t produce them, for example after switching insurance or doctors, you may have to stop treatment and retest to show your levels are low before the plan will approve it. At NovaGenix, we’ve seen patients who came to us after their previous physicians wanted them to stop testosterone and recheck their baseline levels before writing a new prescription.
• Re-approval every 6 to 12 months. Each renewal is a new review, and a lapse can leave you paying full price, or going without, while it’s decided.
• In-network doctors only. You’ll usually need an in-network prescriber, who may or may not have much experience with TRT.

What insured patients still pay

Even when TRT is approved, you may still pay:

• your deductible, before coverage starts
• copays or coinsurance for each prescription, office visit and lab draw
• the cost of more frequent in-office visits for monitoring and renewals
• the full price of medications your plan doesn’t cover, such as add-ons or non-preferred products

For men with high-deductible plans, or men who don’t meet their plan’s cut-off, one predictable self-pay price can cost less, and involve far less hassle, over a year.

Does Medicare cover TRT?

Medicare may cover testosterone when it’s medically necessary:

• Part D drug plans list testosterone products on their formularies, usually with prior authorization.
• Part B may cover testosterone pellets (Testopel) implanted in a doctor’s office when Medicare’s rules are met.

Coverage, copays and approval criteria vary by plan, including Medicare Advantage. Check your plan’s formulary.

TRICARE and Blue Cross Blue Shield

• TRICARE requires prior authorization for testosterone. Its form asks for two or more morning total testosterone levels below 300 ng/dL on separate occasions, plus symptoms of hypogonadism.
• Blue Cross Blue Shield plans are run separately by state, so the rules depend on your plan. The Federal Employee Program policy above is a typical example.

Sources: FEP Blue testosterone policy, Cigna testosterone coverage policy, TRICARE prior authorization form and Medicare Testopel coverage. Requirements differ by insurer and policy.

Insurance vs. self-pay TRT at NovaGenix

Paying for TRT at NovaGenix: insurance, superbills, HSA and FSA

• Self-pay. NovaGenix doesn’t bill health insurance. You pay one predictable monthly price, medication included.
• Superbills. If you ask, NovaGenix will work with you to create a superbill you can submit to your insurance plan for possible out-of-network reimbursement. Whether you’re reimbursed, and how much, depends on your plan. Call your insurer first and ask about out-of-network benefits for testosterone therapy.
• HSA and FSA. You may be able to pay with an HSA or FSA card, depending on your particular plan. IRS Publication 502 lists prescribed drugs, physicians’ fees and lab fees as medical expenses. Your plan administrator decides what qualifies, so check with them before you pay.

How NovaGenix compares

Prices published by other online TRT providers, checked on their own websites on October 13, 2026:

Competitor prices change. Check each provider’s site for current pricing. Starting prices depend on each patient’s prescription.

Before you sign up anywhere, ask for a written breakdown of:

• lab prices
• consultations
• medication
• supplies
• shipping
• refill or administrative fees
• minimum commitments
• refund terms

Questions about TRT cost and insurance

Related reading

• Testosterone replacement therapy at NovaGenix
• What’s a normal testosterone level in men?
• How to test for low T
• Questions men ask before starting TRT
• TRT and fertility

NOVAGENIX · JUPITER, FLORIDA

Get a clear price before you start

Physician-led TRT with Dr. Mackey. Self-pay, medication included, superbills on request. In person in Jupiter, or by telemedicine within Florida. We’ll explain your program and expected costs before you decide.