TRT Clinics that Accept Insurance

TRT can be costly, especially when you are using more than just pure Testosterone. TRT is usually also not covered by insurance, but we found some clinics that do accept it.

TRT – Testosterone Replacement Therapy. We all need it at some point, however, with the rising cost of literally everything, that need is slowly becoming a want…

Men’s health never gets the light of day it should and finding treatment plans that won’t cost you an arm and a leg is going to be tricky.

But what about insurance? What if your health insurance provider would cover your low Testosterone medical bills? That’d be quite sweet.

Let’s make an appointment with the local TRT clinic, and see if it accepts insurance. Furthermore, here are 5 of the Best TRT Clinics that Accept Insurance.

Key Takeaways

Who is the Best Insurance Covered TRT Clinic?

We have spent a long time in the world of HRT and TRT therapy, not just for this article, but for a whole lot of other research as well.

Figure 1: Finding the right clinic includes (unfortunately) that you carry the costs. But fear not, several companies are covered by insurance

The best company we have come across that does accept insurance would have to be PeterMD.

They are a company that accepts FSA and HSA cards when it comes to insurance, however, they cover way more than just Testosterone Replacement Therapy.

Their services include hair loss prevention, peptides, fat loss medication, and so much more. You’re, honestly, better off just explaining all your predicaments to the physician during the initial consultation.

Excellent service, quality pricing, and a treatment plan that is designed specifically for you? It’s a no-brainer.

How We Chose the Best Insurance-Covered TRT Clinic?

As mentioned, we spent a long time digging through a host of clinics, it’s how we designed our directory for TRT clinics. We had to know what these clinics offered, how they treat customers, and if they only treat certain medical conditions.

Furthermore, we wanted to find out which medication they have to give clients. More is better, however, quality matters most. A bunk product won’t raise the low levels of sh*t.

Then we also have to consider the cost. We are, of course, looking at insurance coverage, and finding the best TRT clinics that do accept TRT was easier said than done.

FountainTRT Summary

#1 Best Online TRT Clinic: FountainTRT

FountainTRT has legitimately built a cutting edge TRT service. When you go to their website and take their quiz you realize that other TRT providers are stuck in 2015.

FountainTRT feels a lot closer to a startup than a TRT clinic. They provide a seamless quiz, evaluation, and then give you an option to do blood work locally at a LabCorp location, or alternatively have some COME TO YOUR HOUSE.

They are a premium concierge service that is on call 24/7 for any questions and urgent labs required.

While other companies hire freelance professionals, their medical team is comprised of full time doctors that will monitor you on a 1:1 basis. Tadalafil, HCG, Anastrozole and Enclomiphene.

FountainTRT Overview

🧪 Treatments: Injectable and topical TRT, HGC, Tadalifil, Anastrozole, and Enclomiphene (more coming).
💰 Average Cost for TRT: $199/month
👨‍🔬 Membership required: Included in price
❤️‍🩹 Insurance accepted: FSA and HSA cards
Periodic blood work: Varies by patient
Trustpilot Reviews: ‎4.8 Stars | 111 reviews
⭐️ Muscle and Brawn Rating: 4.5 Stars
➡️ Go to the Full review

  • $35 for blood work (best in industry)
  • World class doctors (Not outsourced freelancers)
  • Offers local and at home blood draw
  • Premium concierge available 24/7
  • Offers TRT cream, Injections, and oral (Coming soon)
  • Offers HCG, Arimidex, and other compounds to help you stay optimized and manage Estradiol
  • Available in the following states: AL, AZ, CA, CO, CT, FL, GA, IL, IN, MI, NJ, NY, NC, OH, PA, TN, TX, VA, WA, WI, KY and MO.
  • More pricey than alternatives (not by much)
  • Currently not available in AK, AR, DE, HI, IA, ID, KS, LA, ME, MD, MA, MN, MS, MT, NE.
Affordable TRT

Peter MD

Despite having a rather weird name (They used to be called Peter Uncaged MD), they are a great TRT clinic. They cover more than just regular TRT as well, including hair loss and ED medication.

Many patients have reported excellent services from them. The medical conditions that they cover require hands-on treatment, and they give the clients exactly that!

Their TRT can cost as little as $87 per month, and they accept most insurance companies. Insurance plans will determine what gets covered and how much is covered as well.

  • Covered by various insurance companies
  • Quite affordable
  • Could stand to increase the treatments offered

What is Testosterone Replacement Therapy?

Testosterone replacement therapy refers to a medical treatment that doctors prescribe to men suffering from something called hypogonadism.

Hypogonadism is, simply put, low Testosterone levels. This can be caused due to various reasons including age, trauma to the gonads, poor lifestyle choices, drug abuse, etc [1].

Low Test levels might not seem scary but can have some serious life impacts if you do not address them. Cardiovascular disease, depression, ED, hair loss, etc [2].

TRT is a legal and safe practice in which a medical professional will prescribe you Testosterone Cypionate (or another form) and either administer it themselves or give you the freedom to do so.

Does Insurance Cover Testosterone Therapy?

You will have to check with the clinic and insurance company in question to find out.

Benefits of TRT

  • Improved muscle mass and body composition
  • Better sexual health
  • Improved energy levels
  • Better quality of overall health
  • Decreased risk of cardiovascular disease

Side Effects of TRT

  • If administered incorrectly, can lead to a hormone imbalance
  • Might require an Aromatase inhibitor in certain individuals
  • Injections can cause pain after the injection is done

100%. A TRT Clinic is a legitimate business that functions under the laws of the US Government, and cannot prescribe medication willy-nilly.

These are simply doctors who specialize in hormone optimization. It is in their best interest to help you improve your hormonal health, and thus they have spent years learning the ins and outs of endocrinology.

Are TRT Clinics Legit?

Absolutely. A TRT clinic is a physical company that will help you legally and legitimately by testing your blood to see where the issues are. From there, a decision will be made on which treatment to prescribe based on various factors.

Are TRT Clinics Safe?

If you give them your full medical history and play open book. The purpose of a TRT clinic is to help you optimize your health, so ignoring their advice or guidance is the only way to make the whole treatment unsafe.

Listen to your physician and make sure you tell them everything you are using and experiencing. This will give them the greatest insight into making sure your Testosterone replacement therapy is managed perfectly.

Conclusion: Insurance and TRT

I get it, TRT can be pretty darn expensive. Being a patient in the care of any TRT clinic will run you a pretty penny, especially if you make use of some of the other treatments they offer.

Your prescription might be covered by insurance, especially if you make use of the clinics in this list. Better yet, they might have other treatments that are also covered!

You should always aim to pay the least to get the best quality. That said, don’t cheap out on TRT. This stuff can have tremendous benefits in every single aspect of your life, so make sure you take part in the best process you can.

Your entire body will thank you for doing so, and your whole financial system will thank you for choosing the right clinic.

How much do Testosterone Injections cost with insurance?

It depends on which injections you are prescribed, and which insurance you use. Shorter esters tend to be more expensive, however, it also depends on the clinic you make use of.

How much does TRT cost on average?

$75 – $200 on average, however, the more other prescriptions are added the more expensive it gets. Added HCG will increase cost, and so will the addition of an Aromatase controlling agent.

When should you get on TRT?

The best way to know when you need TRT is to have your blood tested. If it falls on the low end (below 400 ng/dL) you might need Testosterone replacement.

Which Testosterone treatment is best?

Injections seem to be the best Testosterone treatment.

Comments and questions?

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Drop us a comment down below and one of our expert coaches will respond to it.

1) Dandona P, Rosenberg MT. A practical guide to male hypogonadism in the primary care setting. Int J Clin Pract. 2010 May;64(6):682-96. doi: 10.1111/j.1742-1241.2010.02355.x. PMID: 20518947; PMCID: PMC2948422.

2) Kumar P, Kumar N, Thakur DS, Patidar A. Male hypogonadism: Symptoms and treatment. J Adv Pharm Technol Res. 2010 Jul;1(3):297-301. doi: 10.4103/0110-5558.72420. PMID: 22247861; PMCID: PMC3255409.


Daniel Louwrens BSc PT

Daniel Louwrens BSc PT | Writer

Daniel Louwrens is a well-rounded fitness professional with over 10 years of experience in bodybuilding and fitness. He holds a BSc in Chemistry from the University of Western Cape and is a certified International Personal Trainer and Nutritionist. He is also a skilled bodybuilder and head coach for Muscle and Brawn. With his knowledge and expertise, he provides personalized training, nutrition, and recovery guidance to help clients reach their fitness goals.

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