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How Much Does Testosterone Replacement Therapy Cost?

Know how important it is to keep your T levels balanced, as well as the potential costs associated with doing so.

Injection vial with shadow in the shape of a money sign

30-Second Takeaway

TRT costs range from $40-100 per month, depending on dosage and medication type. TRT costs can vary based on the treatment, dose, where you live and other factors. Lab work, physician fees, and medication costs can also vary. TRT isn’t always covered by insurance, but you can often use an HSA or FSA to minimize out-of-pocket expenses.

Maybe you’ve already had a doctor suggest testosterone replacement therapy (TRT) for symptoms of low T. Or, maybe you have a sneaking suspicion that your brain fog, low energy, or lack of libido are due to a shortage of testosterone, and are thinking about talking to a doctor about TRT. Either way, men in your shoes typically have similar questions: Will it work? Does self-injection hurt (most guys say it’s easier than they expected, fwiw), and, of course: how much can testosterone therapy cost?

TRT costs can vary, depending on the treatment, dose, where you live, and other factors. Let’s dig in.

How Much Does TRT Cost?

One reason why men are apprehensive about TRT is its potential cost. That’s a valid concern—money doesn’t go as far as it used to, and healthcare is notoriously expensive. However, the costs associated with TRT treatment can vary, and they may not be as expensive as you think. 

The best way to break down the costs is to list what treatment generally entails.

Let’s look at the potential monthly cost of TRT medications:

  • Testosterone injections: Injectable testosterone is generally your most affordable TRT option. If you opt for injections, you’ll administer testosterone into the muscle or right under the skin. Without insurance coverage, the cost of a single 200 mg/mL testosterone vial can range between $40 and $100 a month. Through Hone, a dosage of 200 mg/mL of testosterone starts at $28/month. The price may change if you require a greater monthly dosage. The cost of your medication includes home delivery and the materials needed for injection.
  • Testosterone cream: A transdermal form of TRT you apply to specific regions of your body (usually the scrotal area), testosterone cream can cost as much as $500 a month. When added onto Hone’s prescription plan, a monthly supply of testosterone cream begins at $60/month, with the price adjusted to accommodate your prescribed dosage.
  • Testosterone troches: Under-the-tongue lozenges are a popular alternative to self-injection and creams. Hone offers sublingual TRT starting at $60/month. The price is comparable, if not better, than most at-home testosterone firms offering troches as part of their subscription plans.
  • Testosterone pellets: Testosterone pellets are small, bioidentical hormone implants that release testosterone into the body over the course of 3-6 months. They are the most costly of the treatment options, with prices ranging from $650 to $2,000 per treatment.
  • Oral medication: Testosterone tablets can be pricey–anywhere from $100 to $300 a month. Hone offers medications that are alternatives to testosterone, including clomiphene citrate and Anastrozole. These medications can treat symptoms and increase testosterone, without impacting fertility like TRT can (see risks below). At Hone, clomiphene citrate starts at $38/month, and Anastrozole starts at $22/month. 

Factors affecting TRT cost

Testosterone replacement therapy is effective, and the costs associated with it depend on several factors:

  • Your type of treatment/medication and the materials (like syringes) necessary to administer 
  • Whether there’s a generic, more affordable version of the medication
  • Your dosage—if you require a greater quantity of treatment, it will likely cost more 
  • How severe your symptoms are
  • How long you need treatment
  • Your location—the cost of living varies throughout the United States
  • Your pharmacy—there may be additional costs associated with your prescription
  • Insurance plans
A man at the gym doing twists with a medicine ball

Fast, Easy, Affordable

Hone’s at-home testosterone assessment is the simplest way to uncover whether your levels are low. If you qualify for treatment, TRT can be sent right to your door.  

LET’S DO THIS

Blood tests and lab work costs 

Assessing your hormones can be pricey, especially since the ensuing treatment is tailored to address specific hormonal deficiencies. Also factor in location: if you’re getting the test done in a lab or doctor’s office you might have a copay, which isn’t a factor if you collect your sample and mail it to a lab.

A full, 8-hormone panel can cost as much as $800. Some labs quote as much as $1,500 for a comprehensive range of tests that often aren’t covered by insurance companies.

Performing at-home testing is a considerably more affordable option. However, it can still run anywhere from $80 to $350.

Hone’s at-home hormone assessment costs $45, and it includes all of the materials necessary for you to collect a blood sample and mail it to a partner lab. 

Hone’s partner labs are accredited by the Clinical Laboratory Improvement Amendments (CLIA) and, where applicable, by the College of American Pathologists (CAP). A lab’s accreditation means that it meets or exceeds all federal testing standards managed by the Centers for Disease Control and Prevention (CDC), Centers for Medicare and Medicaid Services (CMS) and U.S. Food and Drug Administration (FDA).

Medical services costs

Once the lab is back with your results, you’ll schedule an appointment and have a video consultation with a physician affiliated with Hone. (As we mentioned earlier, the cost of this appointment is included with the $45 at-home hormone assessment.) 

Hone’s doctors specialize in endocrinology, urology, internal medicine and hormone replacement therapy. They will review all results with you and determine if you’re a viable candidate for TRT.

If you qualify for treatment, your physician will create a personalized plan and explain everything you need to know, including what to expect and any potential side effects of risks.  

If you choose to undergo TRT through Hone, you’ll enroll in a subscription plan that costs $129/month, plus the cost of medication (more on that below). Your subscription plan includes:

  • Free at-home monthly delivery of TRT medications and materials necessary for self-administering
  • 2-day Fedex priority shipping on all orders filled through our partner pharmacies
  • On-going medical support from our physician team
  • On-going follow-up lab panels (at-home or on-site)
  • On-going follow-up consultations with your physician (scheduled every three months)

Regardless of whether you choose Hone for your hormone optimization needs, do your research before settling on a company.

TRT Cost Without Insurance

Some insurance plans cover medical treatment for low testosterone, others don’t. 

Hone currently doesn’t accept insurance, but our treatment plans and medication are comparable to the co-pays offered by most insurance providers. For example, for a typical high-deductible health plan (with a $1,000 deductible), one office visit and blood work alone could cost between $200 and $600, services that are included in our monthly Hone membership at no additional cost. 

Most in-person clinics will charge between $50-$100 per weekly visit for injections, which will likely cost more than your Hone treatment plan per month and require you to travel to a local clinic regularly.

Furthermore, we accept Health Savings Account (HSA) and Flexible Spending Account (FSA) cards, a pre-taxed advantage that could lower out-of-pocket expenses.

Benefits of Testosterone Therapy

Testosterone Replacement Therapy can offer several benefits for individuals with low testosterone levels. If your testosterone levels are clinically low, TRT can reduce or eliminate some of the symptoms that lead you to seek treatment in the first place. 

Research shows that TRT may: 

Just like you’d notify your physician of any side effects, update them of any positive progress you see or feel.

It’s important to inform the doctor that you’re feeling better or seeing improvements in various aspects of your wellbeing. This way, they know that the prescribed treatment is properly working, and they can better determine what, if any, adjustment is necessary.

Why is that important? While you can stop TRT, in most cases, testosterone therapy is a lifelong commitment. Your body no longer naturally produces the same amount of testosterone it used to, so you need treatment to keep your levels balanced. And it’s not just a set course of treatment, and you’re done; be aware that optimizing hormones can require constant balancing and, therefore, continuous adjustment of dosage and frequency.

Frequently Asked Questions

How much is testosterone?

TRT costs vary depending on the type of treatment, dose, where you live, and whether or not insurance will help pay for treatment. If you choose testosterone injections through Hone, the medication starts at $28 per month. You’ll also pay a $129 monthly subscription fee which includes expedited shipping, supplies, and ongoing support from your medical team.

How much does a cycle of TRT cost? 

Without insurance, the cost of a 200 mg/mL testosterone vial can range from $40 to $100 per month. Testosterone cream can cost as much as $500 per month.

Is TRT normally covered by insurance?

Your insurance plan may or may not cover TRT, so it’s important to check your plan. At this time, Hone is not able to accept insurance but check back as we’re working to change this.

About the author

Mike McAvennie is an editorial director and writer with extensive experience driving original content production on a global scale.