Is TRT Covered By Insurance | What You MUST Know

Curious…is TRT covered by insurance?

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Do you wonder if your national health insurance provider will cover your testosterone therapy program, and if so, how much you will have to pay out of pocket?

Then you’ve come to the right place.

In this comprehensive guide we cover everything you MUST know about TRT, including how to save tons of money by working with the right online TRT provider.

We also answer your most important questions, including: 

  • What are the benefits of testosterone therapy?
  • Are testosterone injections better than creams and gels?
  • How fast will I start seeing results from my TRT protocol?

Our team of experts at Testosterone.org has reviewed all of the latest research studies on TRT to give you science-based answers to all of your most important questions.

We even cover why in-person TRT clinics are becoming outdated, and why you might want to consider an online TRT clinic instead…

Now let’s get started!

P.S: Looking to get started with TRT? Click here.

Testosterone replacement therapy is the fastest, safest, and most effective way for men with low T to raise their total testosterone levels. 

You can think of TRT, or testosterone replacement therapy, as a breakthrough medical technology that has transformed the lives of millions of men all around the world. 

Research shows that TRT can virtually eliminate the following low T symptoms in men:

  • Chronic fatigue
  • Reduced sexual performance
  • “Dad bod” physique
  • Low muscle mass and strength
  • Low motivation and “drive”

Of course, TRT does more than just eliminate these low T symptoms – it also delivers countless benefits.

But before we continue our discussion of TRT, let’s quickly talk about testosterone and why it plays such an important role in men’s physical and mental health.

What Is Testosterone?

Testosterone is one of the most important hormones in the human body – especially for men.

Research shows that men with high testosterone levels experience the following benefits:

  • Increased Muscle Mass
  • Reduced Belly Fat Levels
  • Superior Energy Levels
  • Improved Sexual Performance
  • Elevated Mood / Cognition

Suffice to say that optimizing your testosterone levels is one of the most important things that men can do for their overall health and well-being. Men with high testosterone levels also have a reduced incidence of chronic diseases like heart disease, diabetes, obesity, and more.

Despite what some people will tell you, there is nothing healthy about having low T!

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Why Do Men Have Low Testosterone?

Testosterone levels in men are rapidly declining all over the world – including right here in the United States. Research shows that men’s testosterone levels are declining by about 1% per year, and this trend shows no signs of slowing down anytime soon [1]. 

Alarmingly, older AND younger men are suffering from signs and symptoms of low T at record numbers  [2-4]. 

Some of the more “in the know” researchers have actually found a link between men’s declining testosterone levels and the increase in various metabolic diseases over the past 50 years [5-6].

Researchers are still trying to figure out why men’s testosterone levels are dropping so quickly, but some of the factors may include lifestyle changes, environmental estrogens, reduced quality of food, and other toxins in the environment.

What Are Normal Testosterone Levels In Men?

In the past men were supposed to have total testosterone levels of around 300 – 1,200 ng / dl, or nanograms per deciliter [7-8]. This was considered the normal “reference range” for many decades. 

Unfortunately, men’s testosterone levels have been dropping so fast in recent years that researchers have had to update these numbers! The new reference range is approximately 250 – 800 ng / dl [9-10]! 

This “update” highlights just how far men’s testosterone levels have dropped over the past few decades. 

Research shows that men with testosterone levels around 300 – 500 ng / dl start to experience significant side effects of low T, so you can be well within the new reference range and still experience symptoms [11]. 

So what do you do if you have low T? 

Testosterone therapy is considered the #1 treatment option for men with low T. 

But before we talk about how to get started on TRT, let’s talk about what you actually came here for: how to know if TRT is covered by your insurance provider…

Is TRT Covered By Insurance?

You may be wondering if TRT is actually covered by most major health insurance providers, including Aetna, United Health, Anthem, and more. Do TRT clinics in the United States actually work with these health insurance providers?

You’re in luck – most TRT clinics work with all major health insurance providers, including:

  • Aetna
  • United Health
  • Anthem 
  • Cigna
  • Humana

…And more! If you have any one of these health insurance plans, then the odds are extremely high that your TRT clinic will be willing to work with you. 

Of course, some TRT clinics are easier to work with than others… in our experience, the fastest and easiest way to get started on TRT is to work with a reliable TRT provider like Fountain TRT

There are two major types of TRT clinics in the United States today:

  • Online TRT clinics
  • In-person TRT clinics

Online TRT clinics became popular starting in 2021 due to the recent pandemic. 

People all over the United States were interested in getting started on TRT, but without having to visit a traditional doctor’s office as they didn’t want to get sick. 

Online TRT clinics started popping up all over the place, as they allow men just like you to talk to your testosterone doctor remotely using Zoom and other telehealth technologies. 

Online TRT providers have almost put traditional in-person TRT clinics out of business as they are faster, less expensive, easier to work with, and easier to get services covered by insurance! 

If you’re interested in getting TRT covered by your insurance company, then working with a reputable online TRT clinic is the way to go…

Best TRT Providers That Accept Insurance

You may be wondering about the BEST online TRT provider that accepts insurance. 

Is there one online TRT clinic that delivers a better overall customer experience than the rest? 

Our team spent weeks investigating every major online TRT provider in the United States, and after countless hours of research, we have this to say: Fountain TRT is the #1 online TRT provider that accepts insurance in the United States today. 

This isn’t just our opinion though – dozens of patients have left 5-star reviews for this clinic, showing that they are every bit as good as they claim to be. 

Let’s take a closer look at some of the factors that make Fountain TRT stand out from the competition.

Who Is Fountain TRT?

Fountain TRT was founded by Dr. Doron Stember, a board-certified urologist with decades of experience treating men just like you with low T. 

He prides himself in assembling the best online TRT doctors in the United States to work for his company. With Fountain TRT, you know you are getting the highest quality care available anywhere in the world. 

Like other online TRT providers, Fountain TRT uses Zoom and other telehealth technologies that let you talk to your doctor from the comfort of your own home. 

This saves you time AND money by not having to visit a traditional in-person TRT clinic. 

Don’t worry – the Fountain TRT doctors make it as easy as possible for you to get started on TRT. They carefully answer all of your questions during the free patient interview, and then schedule your bloodwork to be done at the nearest lab collection facility as quickly as possible. 

After that, they go over the results of your blood test with you and put together your 100% customized TRT protocol. 

Working with Fountain TRT couldn’t be easier! 

Fountain TRT Pros

  • Extremely easy to get started on TRT
  • World-class TRT doctors with decades of experience
  • Dozens of 5-star patient reviews on their website

Fountain TRT Cons

  • Only offers TRT services
  • Cannot replace your PCP
  • Almost too fast and easy!

If you’re ready to get started with Fountain TRT, then here is where you can learn more.

Low Testosterone Signs And Symptoms

TRT is widely regarded as the best medical treatment for men suffering from low testosterone levels. Nothing even comes close! 

This is good news, as men with low T suffer from a wide range of symptoms, including:

  • Impaired cardiovascular health
  • Crippling depression
  • Reduced muscle mass 
  • Diabetes and obesity
  • Impaired sexual performance

Let’s take a closer look at each of these symptoms.

  1. Poor Cardiovascular Health

Did you know that low T is actually one of the leading causes of heart disease? Most men are completely unaware of this fact – at least until they get older and they start suffering from cardiovascular issues themselves. 

The latest research studies show that healthy testosterone levels are critical for your overall cardiovascular health, and men with low T often suffer from a wide range of heart problems [12-13]. 

  1. Devastating Depression

This may shock you, but depression is one of the most common symptoms of low T in men [14-15]. 

Just think about it – can you really imagine a high-testosterone, successful, driven man suffering from depression? It’s usually the low-testosterone “Average Joe” who suffers from mental health problems. 

If you are dealing with depression, then optimizing your testosterone is one of the most important things you can do to improve your overall mental health.  

  1. Reduced Muscle Mass

It’s no secret that testosterone plays a huge role in men’s ability to build and maintain muscle mass [16-17]. 

If you want to have a lean, healthy physique, then optimizing your body’s testosterone levels is a MUST. In fact, some men find it is literally impossible to build muscle until they get their hormone levels checked.

  1. Diabetes And Obesity

Over the last 50 years diabetes and obesity rates have absolutely skyrocketed in the United States and all over the world. 

It turns out that men’s declining testosterone levels played a bigger role in this problem than most people think… if you are suffering from (or at risk for) diabetes and obesity, then you have one more reason to contact Fountain TRT and get your testosterone levels optimized as soon as possible [18-19]!

  1. Poor Sexual Health

They say the only reason men do anything in life is for women. This may be an exaggeration, but it’s clear that most men care a lot about women and sex. 

Unfortunately, erectile dysfunction and other sexual health issues are often caused by low testosterone levels in men [20-21]. 

Unless you want your woman saying “you’re half the man you used to be,” then maintaining optimal testosterone levels should be a BIG priority for you. 

You have no idea how much of a difference something like TRT can make for your overall sex life!

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Benefits Of Testosterone Therapy

Testosterone therapy is more than just a way to eliminate your low T symptoms – it also offers TONS of benefits to older and younger men. In fact, most men say that TRT has had a transformative effect on their entire life. 

Here are some of the main benefits that men just like you report while on TRT [22-26]:

  • Improved energy levels
  • Increased muscle mass / strength
  • Increased muscle strength
  • Improved body composition
  • Faster recovery from workouts
  • Stronger bones and joints
  • Healthy heart and blood
  • Decreased Inflammation
  • Improved sexual performance
  • Improved mental health

These side effects are seen in real-world patients AND in scientific studies, so you can expect to experience all of these benefits (and more!) when you start your own testosterone therapy protocol.

Let’s quickly look at some of the most common benefits seen in real-world patients and studies:

  1. Improved Energy Levels

One of the first things that most men notice on TRT is a dramatic improvement in their overall energy levels. Men say their “brain fog” is completely gone, and they can focus for hours at a time! 

This is good news for anyone who is trying to live their best life and get the most out of each day.

  1. Healthy Heart And Blood

Did you know that TRT actually improves your cardiovascular system? It’s true? 

Most men report an immediate improvement in their cardiovascular health markers, including inflammation, cholesterol levels, and more.

  1. Decreased Inflammation

Inflammation is often called the “silent killer” because it has almost zero visible symptoms. 

It turns out that testosterone therapy can actually lower systemic inflammation in your body, which means less belly fat, reduced risk for chronic disease, and lower overall stress levels. Not bad!

  1. Improved Sexual Performance

Let’s be honest – if you’re searching for information on TRT, then you’ve probably already discovered that testosterone therapy jacks up your sex drive and overall sexual performance.

This is good news for you and your partner, as having a rewarding sex life is one of the things that almost all men are after.

  1. Improved Body Composition

How would you like to lose several pounds of body fat and gain several pounds of muscle, without having to make any changes to your diet or workout routine?

 As far as we know, testosterone therapy is the only safe way to do this! Most TRT users report a dramatic difference in how their body looks and feels after just the first few weeks.

How To Get Started With Testosterone Replacement Therapy

We’ve talked a lot about online TRT clinics like Fountain TRT in this article. After all, they are rapidly replacing traditional in-person TRT clinics as the preferred way to get started on testosterone therapy. 

So how do you actually get started on TRT using an online clinic? 

The truth is most online TRT providers use a simple 5-step process with all of their patients:

  1. Contact An Online TRT Clinic, And Fill Out Their Questionnaire

The first and most important step in getting started with an online TRT provider is contacting them and filling out their free low T questionnaire. 

This questionnaire will give them more information about your unique situation, including your low T symptoms and your goals for the treatment process. 

After you fill out the online questionnaire, your TRT doctor will help schedule a time for a 100% risk-free TRT consultation.

  1. Talk To Your Doctor About Your Signs And Symptoms Of Low T

The next step in your TRT journey involves talking to your online TRT doctor about your signs and symptoms. 

Most online TRT clinics use Zoom and other telehealth technologies. This means you can talk to your doctor from the comfort of your own home! 

This patient interview is extremely important, as it’s your opportunity to discuss your low T symptoms, including:

  • Low sex drive
  • Excess body fat
  • Low energy
  • Anxiety
  • Worsening mental health

…And more. This is also your chance to ask any questions you have about TRT, including the advantages of different types of testosterone medications, and how quickly you can expect to see results from TRT.

  1. Perform A Comprehensive Blood Test At A Partnered Lab Facility

If your online TRT doctor agrees that you are a good candidate for TRT, then the next step is to perform a blood test with one of their partnered lab facilities. 

This test is extremely important, as it’s the only way to actually measure your total testosterone levels. 

If you have normal testosterone levels, then your symptoms may be caused by something other than low T, and your TRT doctor needs to know this! During the blood test your doctor will be measuring many different things, including:

  • Total testosterone
  • Free testosterone
  • Estradiol
  • Complete blood count
  • Vitamin D
  • Hematocrit
  • Thyroid function

Of course, the most important thing he will be looking at is your total testosterone levels. 

If this value is low, then you may be a good candidate for TRT.

  1. Talk To Your Doctor About The Results Of Your Blood Test

After you perform your blood test your online TRT doctor will schedule a time to go over the results with you. 

To recap, here are some guidelines for how testosterone levels in men are classified:

  • Optimal: 800 – 1,200 ng / dl
  • Average: 300 – 800 ng / dl
  • Low: <300 ng / dl

If your total testosterone levels are below 300 ng / dl, then that is considered “clinically low testosterone levels,” and you are definitely a candidate for TRT. 

However, many men experience signs and symptoms of low T even when their total testosterone is in the 300 – 800 ng / dl range, so you may be a good candidate even if you fall into this category. 

If your doctor agrees that low T is the cause of your signs and symptoms, then he will start working on your customized TRT treatment protocol!

  1. Start Using Your New Prescription Testosterone Medication

The last step is to start using your prescription testosterone medication and enjoy the benefits of an optimized hormonal profile! 

Most online TRT doctors use 1 of 2 testosterone medications with their patients:

  • Injections
  • Creams

Both of these options work extremely well for most patients. 

After you decide which medication you want to use, your online TRT doctor will show you exactly how to use it, including how much of the medication to take during the week. 

Types Of Testosterone Medications

Research shows there are many different types of testosterone medications that you can use as part of a testosterone replacement therapy program. 

Let’s quickly go over all of the options here, including their advantages and disadvantages.

  1. Injectable Testosterone

Testosterone injections are by far the most common treatment method for TRT. 

Research shows that testosterone injections are extremely effective at raising men’s total testosterone levels to the 800 – 1,200 ng / dl range, which is EXACTLY where you want to be. 

Most TRT doctors instruct their patients to take 100 – 200 mg of testosterone per week, depending on their goals and biochemistry. 

Here are some general guidelines:

  • High Dose: 200 mg per week
  • Moderate Dose: 150 mg per week
  • Conservative Dose: 100 mg per week

200 mg is considered a more aggressive dose, while 100 – 150 mg per week is considered a more conservative starting point. 

Keep in mind, more is not always better, as it may increase your risk for negative side effects. Most patients choose to perform 1-3 equally divided injections during the week, as smaller / more frequent injections tend to result in fewer side effects.

  1. Topical (Transdermal) Testosterone

Testosterone injections may be the “gold standard” treatment option for TRT, but it’s definitely not the only option! 

Testosterone creams are becoming increasingly popular with many patients and TRT doctors, as they deliver similar results to traditional testosterone injections. 

Research shows that testosterone creams are completely painless, and have fewer side effects than injections, making them a great choice for many people. 

The two major downsides of testosterone creams is they are more expensive, and they have to be applied 1-2 times per day for optimal results.

  1. Testosterone Patches

Testosterone patches are not as commonly used as testosterone injections and creams, but some TRT doctors still use them. 

Here’s how they work: the patient will place a new testosterone patch on their skin once every 24 hours. The patch will slowly release testosterone into the user’s body over 24 hours, after which it needs to be replaced with a new patch. 

  1. Testosterone Implants (Pellets)

Testosterone pellets are another experimental option for TRT. Here’s how they work: a small testosterone pellet (about the size of a grain of rice) is surgically placed underneath the user’s skin. 

This pellet slowly releases testosterone into the user’s body over a 3-month period. After the 3 months, a new surgery is performed to remove the pellet and replace it with a new one.

  1. Other Testosterone Options

Research shows there are other testosterone medications that can be used, including oral and nasal medications. However, they are still extremely experimental at this time. 

The two best options for most individuals at this time are testosterone injections and creams.

Personalized TRT: Dosage, Frequency, Additional Medications

Testosterone replacement therapy is not a “cookie cutter” medical treatment where everyone gets the exact same plan. Instead, everything is individualized based on your unique needs, goals, and biochemistry. 

Let’s take a closer look at some of the things that TRT doctors customize on an individual-by-individual basis. 

How Much Testosterone Should I Take Each Week?

If you are using testosterone injections, then most TRT doctors will start you off with 100 – 200 mg of testosterone per week. 100 – 150 mg per week is the most common starting point, as it is usually enough to optimize your testosterone levels [27]. 

However, it’s not uncommon for users to be prescribed as much as 200 mg of testosterone per week. 

Using more than 200 mg per week is NOT recommended, as this qualifies as a mild steroid cycle, and comes with increased risk of long-term side effects [28, 29]. 

If you are using a prescription testosterone cream, then 1-2 “pumps” of the medication 1-2 times per day is normally recommended.

How Often Do I Need To Take My Testosterone Medication?

If you are using testosterone injections, then it is recommended to take 1-3 equally divided injections per week. Smaller, more frequent injections tend to result in fewer side effects, but injecting once per week is still acceptable. 

Performing injections once every 2 weeks is NOT recommended, as it results in wild swings in your blood testosterone levels and increased risk for estrogenic side effects. 

If you are using a testosterone cream, then taking it twice per day tends to result in the best patient outcomes.

Do I Need To Take Any Other Medications With TRT?

Other medications are not strictly required while on TRT. However, they are sometimes prescribed on a case-by-case basis. For example, HCG is sometimes used by men who want to maintain fertility while on TRT [30-31]. 

Estrogen blocking medications are also sometimes used by men with higher than normal estrogen levels, but most TRT doctors are slowly phasing them out because they tend to result in their own side effects.

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Is Testosterone Therapy Safe?

Make no mistake – testosterone replacement therapy is one of the safest medical treatments in the world today. Millions of men all over the world have already started TRT without experiencing any side effects whatsoever. 

Of course, there are some people who should NOT be on TRT. 

If you have one of the following conditions, then TRT may actually have a negative effect on your health [32-33]:

  • Prostate cancer 
  • Male breast cancer
  • Sleep apnea
  • Urinary tract symptoms 
  • Myocardial infarction
  • Congestive heart failure 
  • High red blood cell count
  • Other cardiovascular issues
  • Men planning fertility

For example, if you have prostate cancer, then getting on TRT may worsen your prognosis. 

Don’t worry – an experienced TRT doctor will be able to check for these contraindications, and make sure that you don’t have any of them. 

While side effects on TRT are relatively rare, there are a few that you should be aware of…

TRT Short Term Side Effects

Short-term side effects from TRT include skin irritation, mood swings, and other minor annoyances. 

Other side effects include:

  • Shrinkage of the testicles
  • Increased aggression and irritability
  • Swelling or tenderness of breasts
  • Acne or oily skin
  • Swelling of the ankles (fluid retention)
  • Difficulty with urination
  • High blood cell counts
  • Hair loss
  • Mood swings
  • Skin irritation

Don’t worry – most of these side effects are extremely rare, and 100% preventable. 

If you do experience one of these short-term side effects, then your experienced TRT doctor will be able to adjust your protocol to stop them dead in their tracks.

TRT Long Term Side Effects

Long-term side effects are almost unheard of on TRT. However, for sake of completeness, we will leave this list here…

  • Cardiovascular disease
  • Strokes and heart attacks
  • Polycythemia
  • Worsening of urinary symptoms
  • Prostate cancer
  • Lowered HDL
  • Low sperm count
  • Reduced fertility

Again, most men do NOT experience any of these long-term side effects. In fact, most men experience an improvement in their cardiovascular health etc. while on TRT. 

However, if you decide to run TRT without a doctor (we do NOT recommend this!), then you may be at increased risk for these long-term side effects.

How Much Does TRT Cost?

Testosterone replacement therapy doesn’t have to be an expensive medical treatment. Thanks to modern online TRT clinics like Fountain TRT, the prices for this service keep getting lower and lower! 

As a general rule of thumb, TRT costs about $200 – $300 per month. Of course, this depends on many factors including which online TRT clinic you work with, which insurance plan you have, and what type of testosterone medication you choose to use (injections vs creams etc.).

Some online TRT providers have plans starting as low as $99 per month, meaning almost everyone can afford to get started on TRT! 

If you’re on the fence about getting started with testosterone therapy due to the cost, then think again! Testosterone therapy truly is one of the most affordable medical treatments in the world today.

Testosterone Replacement Therapy FAQ

Here are some of the most frequently asked questions about testosterone replacement therapy. 

Why Do Men Have Low Testosterone?

Men can have low testosterone levels for a wide variety of reasons: poor lifestyle choices, bad diets, lack of exercise, lack of sex, environmental estrogens, and so on. 

Unfortunately, more and more men are suffering from low testosterone levels. If you are serious about correcting this issue, then TRT is the way to go! 

Is Testosterone Therapy Dangerous?

Testosterone therapy is perfectly safe – provided you are working with an experienced online TRT doctor! Research shows that TRT has almost no side effects. 

This is true for both older AND younger men. 

Am I A Good Candidate For Testosterone Therapy?

Are you suffering from low testosterone levels? Do you have any signs and symptoms of low T, including low energy levels, reduced mood, and poor sexual health? 

Or are you just looking to maximize your testosterone levels and experience some of the incredible benefits that TRT has to offer? 

If you answered “yes” to any of these questions, then you may be a good candidate for testosterone therapy. 

What’s The Best Online TRT Provider?

Fountain TRT is the #1 online TRT provider in the United States. This isn’t just our opinion though – thousands of men all over the country agree that Fountain TRT is as good as it gets! 

They have the best online TRT doctors, dozens of 5-star reviews from verified customers, and some of the most competitive rates in the industry.

How Fast Will I See Results On TRT?

Most men see a dramatic difference in how they look and feel after just 1-2 weeks on testosterone therapy. 

You may notice increased energy levels, improved mood, and other short-term benefits almost immediately. 

Other benefits like improved body composition and stronger, healthier joints may take up to a month to become noticeable.

What Does TRT Do To Your Body?

Testosterone therapy does one simple thing: it raises your total testosterone levels to the high end of the healthy, normal range. 

In other words, it gives you the total testosterone levels of a healthy 18-year-old man! 

Does Insurance Cover TRT?

This is a tricky question. Most online TRT providers are happy to accept your insurance plan. However, not all insurance companies will reimburse for testosterone replacement therapy services. 

We recommend you contact your insurance company to see if testosterone therapy is actually covered by your individual plan.

Verdict | Is TRT Covered By Insurance?

So what’s the verdict… is TRT covered by insurance?

The truth is most online TRT providers do accept most of the major health insurance plans. However, not all insurance companies actually reimburse for TRT services.

Every plan is different, so we strongly recommend contacting your insurance provider to see if you are covered.

Another great way to save money on testosterone therapy is to work with a reputable online TRT provider like Fountain TRT. With an online clinic, everything is handled remotely using Zoom and other telehealth technologies. This saves you time AND money as you don’t have to visit your local clinic to talk to your doctor! 

People who work with Fountain TRT always say the same thing…

“I can’t believe getting started on testosterone therapy was that easy!”

Testosterone therapy is a total game-changer for many men. If you want to completely transform your body, jack up your daily energy levels, and perform better in the bedroom, then TRT is the way to go.

So what are you waiting for?

Contact Fountain TRT today and get ready to live your best life!

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