TRT costs vary widely depending on the clinic, treatment method, and whether you're paying out of pocket or using insurance. Most men pay between $100 and $500 per month for ongoing TRT, but the total can be higher or lower depending on several factors.
This guide breaks down every cost component so you know exactly what to expect before walking into a clinic.
TRT Cost Summary
Initial Consultation: $100–$300
Most TRT clinics charge an initial consultation fee to evaluate your symptoms, review your health history, and order baseline labs. This typically ranges from $100 to $300, though some telehealth clinics have reduced this to $0 as a competitive move.
During the consultation, your doctor or NP will assess symptoms like fatigue, low libido, brain fog, and mood changes — and determine whether blood testing is appropriate.
Lab Work: $100–$400
Before starting TRT, you'll need a blood panel to measure testosterone levels (total and free), along with other markers like LH, FSH, estradiol, PSA, CBC, and metabolic panels. This initial panel typically costs $100–$400 out of pocket.
Some clinics include labs in their monthly fee. Others bill separately. Always ask before committing to a clinic whether labs are included — it's one of the biggest cost variables.
Tip: Some clinics partner with LabCorp or Quest Diagnostics and can get you discounted lab pricing. Ask about this during your consultation.
Monthly Treatment Costs
Ongoing treatment costs depend heavily on which delivery method you use:
Injections (Testosterone Cypionate)
$100–$200/monthThe most cost-effective option. Typically self-administered at home weekly or bi-weekly. Medication itself is inexpensive ($20–$50/month at a compounding pharmacy), but clinic monitoring fees add to the total.
Gels & Creams
$100–$300/monthApplied daily to skin. More convenient than injections but typically more expensive. Brand-name gels (like AndroGel) can be significantly pricier than compounded versions.
Pellets
$300–$600 per insertionInserted under the skin every 3–6 months. Higher upfront cost per visit but no daily or weekly administration. Popular for convenience.
Enclomiphene / Clomid
$50–$150/monthAn oral alternative that stimulates natural testosterone production rather than replacing it. Often less expensive but not appropriate for all patients.
Telehealth TRT Programs: $150–$350/month
Online TRT clinics have disrupted traditional pricing by offering all-inclusive monthly programs. These typically bundle consultation, medication, lab monitoring, and provider access into a single monthly fee — often $150 to $350/month.
The convenience and price transparency make telehealth programs popular, but they're typically limited to injection-based therapy and may not be available in all states.
Does Insurance Cover TRT?
TRT can be covered by insurance when medically necessary — meaning your blood work shows clinically low testosterone and you have documented symptoms. However, coverage varies widely by plan, and many TRT clinics operate on a cash-pay basis and don't accept insurance at all.
If insurance coverage is important to you, specifically look for clinics that accept your plan before booking. Use the filters on HormoneMap to find clinics in your area and check their websites for insurance information.