Thinking about starting testosterone therapy but not sure how much it’ll cost you? You’re not alone. Testosterone therapy cost varies widely in the U.S. depending on how and where you get treated. Some guys pay under $100/month, while others spend over $400.
Medical Disclaimer: This article is intended for informational and educational purposes only and does not provide medical advice. Always consult a licensed healthcare professional regarding health-related questions
Let’s break down the numbers so you know what to expect—and how to save.
Average Cost of Testosterone Therapy (TRT)
Here’s what most men in the U.S. can expect:
| Type of TRT Service | Monthly Cost (USD) |
|---|---|
| Injections (at clinic) | $100–$300 |
| Injections (self-administered) | $50–$150 |
| Gels / Creams | $200–$500 |
| Pellets (every 3–6 months) | $400–$1,200 |
| Oral / Buccal Tablets | $300–$600 |
💡 Most affordable option? Self-injected testosterone cypionate via telehealth.
Initial Setup Costs
Getting started usually involves:
- Consultation fee: $100–$250 (sometimes free with telehealth)
- Blood tests: $100–$200 (may need every 3–6 months)
- Physical exam: $50–$150
Some online TRT providers bundle all of this into a flat-rate plan.
Does Insurance Cover TRT?
Sometimes, yes—but it depends on:
- Your insurance provider
- Medical necessity (low testosterone diagnosis required)
- Where you receive treatment (some clinics don’t accept insurance)
“I got covered through my Blue Cross plan, but only for the labs—not the medication.” — Reddit user @trtinsider
Pro tip: Check your plan for “hormone replacement therapy” under endocrine coverage.
Online vs In-Person: What’s Cheaper?
| Service Type | Pros | Avg. Monthly Cost |
|---|---|---|
| Local Clinic | Hands-on support | $150–$400 |
| Online Provider | Convenient, cheaper packages | $99–$250 |
Online TRT platforms often include:
- Labs
- Doctor consult
- Medication shipped monthly
How to Save on TRT
- Use HSA/FSA funds – Most TRT services accept them.
- Ask for generic testosterone cypionate – It’s the cheapest form.
- Consider telehealth subscriptions – Some offer flat fees as low as $129/mo.
- Shop around for lab work – Independent labs are often cheaper than hospitals.
Conclusion
Testosterone therapy cost in the U.S. can range from affordable to premium—depending on how you approach it. Whether you go with a local clinic or a modern telehealth provider, knowing your options can save you hundreds each year.
Want to compare clinics and prices in your area or online? 👉 Check our next guide: Best Online TRT Clinics Reviewed