How Much Does TRT Cost? 2026 Prices With and Without Insurance

Short answer: it depends on how your care is billed. A 2022 study of three online TRT programs found that a year of injectable testosterone cost $1,586 to $4,200 once visits, labs and medication were added together, or roughly $130 to $350 a month (Jesse et al., Journal of Sexual Medicine). The medication alone can be much cheaper. A 10 mL vial of generic testosterone cypionate was listed from $48.79 with a coupon when we checked on October 24, 2026 (GoodRx).

So how much does TRT cost for you? Your own TRT cost depends on four things: how your care is billed, which form of testosterone you use, how many lab tests you need, and whether insurance pays for any of it. This guide covers each part, shows a first-year example built only from published prices, and explains what TRT costs at MultiGen Wellness.

What makes up your TRT cost

The price of TRT is a bundle, not one number. Clinics package it differently, so comparing them only works when you break the bill into its parts.

Cost part	What it covers	Published cash price (checked Oct. 24, 2026)
Provider visits or membership	The first evaluation, the prescription, and follow-up visits to adjust treatment	Varies by clinic; billed per visit or as a monthly membership
Starting labs: total testosterone	FDA labels require low morning levels on at least two separate days before starting	$69 + $6 physician service fee per test at a national lab’s self-pay site
Expanded hormone panel	Total, free and bioavailable testosterone, SHBG, albumin, estradiol, prolactin	$165 (sale price; list $220) + $6 fee at a national lab’s self-pay site
Complete blood count (CBC)	Includes hematocrit, which is watched during treatment	$29 + $6 fee at a national lab’s self-pay site
PSA	Prostate screening used in deciding and monitoring	$69 + $6 fee at a national lab’s self-pay site
Testosterone cypionate, 10 mL of 200 mg/mL	Generic injectable, multi-dose vial	From $48.79 with a coupon (GoodRx)
Testosterone cypionate, 10 mL of 100 mg/mL	Same drug at half the strength	From $22.46 with a coupon (GoodRx)
Testosterone enanthate, 5 mL of 200 mg/mL	Another generic injectable	From $32.44 with a coupon (GoodRx)
Testosterone gel 1.62%, 88 g pump	Daily gel; one pump gives 60 measured presses	From $42.81 with a coupon (GoodRx)
Testosterone gel 1%, 30 packets of 5 g	Single-use packets	From $82.88 with a coupon (GoodRx)
Testosterone pellets	Pellets implanted under the skin; the label’s dosing guideline repeats every 3 to 6 months	No retail coupon price listed; ask the clinic for a quote that covers the pellets and the implantation
Supplies	Syringes, needles, alcohol swabs, a sharps container	An extra cost unless included; ask the clinic
Follow-up labs	Repeat testosterone, hematocrit and prostate checks during the first year	Same per-test prices as above

Coupon prices change often and vary by pharmacy and ZIP code. SingleCare’s listing on the same date showed four 1 mL vials of 200 mg/mL cypionate from $49.15 at CVS (SingleCare). Check your own pharmacy before you fill a prescription.

Why injections usually cost the least

Generic injectable testosterone is sold in multi-dose vials. A 10 mL vial of 200 mg/mL holds 2,000 mg in total. The FDA label for testosterone cypionate lists a replacement range of 50 to 400 mg every two to four weeks, so how long a vial lasts depends completely on the dose your prescriber chooses (DailyMed, Depo-Testosterone label). Gels are a daily product. Under the AndroGel 1.62% label, the recommended starting dose is two pump presses once a day, so one 60-press pump lasts about a month at that dose (DailyMed, AndroGel 1.62% label). Pellets are priced differently: they are implanted under the skin, and the label’s dosing guideline calls for a new implantation every 3 to 6 months (DailyMed, Testopel label). To compare the forms beyond price, see testosterone injections vs. cream vs. pellets.

TRT cost per month: a first-year example

The year below is an illustration built only from the published prices in the table. It assumes generic injections and per-visit billing at MultiGen’s rates. The number of visits, lab rounds and vials are assumptions for the example, not a treatment plan. Your prescriber decides your dose and how often you are monitored.

Item	Assumption	Cost
Starting labs	Two total testosterone tests, one CBC, one PSA (national lab self-pay prices)	$260
Follow-up labs	Two rounds of testosterone plus CBC, one more PSA	$295
Provider visits	$247 start (includes first visit) plus three $97 follow-ups	$538
Medication	One to six 10 mL vials of generic cypionate at $48.79, which spans the label’s dose range over a year	$49 to $293
Supplies	Syringes, needles, sharps container	Not included; varies
First-year total		About $1,142 to $1,386
Average per month		About $95 to $116 plus supplies

The first year is usually the most expensive because of starting labs and more frequent check-ins. The Endocrine Society guideline calls for a standard monitoring plan during the first year that checks symptoms, side effects, testosterone and hematocrit, and prostate cancer risk (Bhasin et al., Endocrine Society guideline). After that, many people need fewer visits and labs. For what each test is for, read our guide to TRT blood work.

Online clinic vs. local clinic vs. your own doctor

Where you get care often shapes your TRT cost as much as the medication does. The three common models work like this:

• Online TRT clinic. You pay a membership or a fee per visit, labs are drawn at a national lab near you, and medication is either bundled into the price or billed separately. There is no travel to an office. In the 2022 cost study, the three online platforms largely followed AUA guidelines for evaluation and follow-up, and their first-visit costs were among the lowest. A year of ongoing treatment, though, cost more online than at a hospital-based center (Jesse et al.).
• Local men’s health clinic. Some clinics sell monthly packages that can include in-office injections. That is convenient for some people, but it means regular trips to the office and package prices that are hard to compare line by line.
• Primary care doctor, urologist or endocrinologist. If insurance covers your visits and labs, this can be the lowest-cost route. In the same study, a year of injectable treatment at a hospital-based tertiary center was estimated at $134 to $1,333 depending on insurance status. The trade-off is waiting for appointments, and copays and deductibles still apply.

For clinic-by-clinic pricing and what each program includes, see our comparison of the best online TRT clinics.

TRT cost without insurance

Without insurance you pay for each part yourself, so the cost is easy to predict once you know the pieces. A typical uninsured start looks like this:

1. Testing. At least two morning total testosterone tests on separate days, which FDA labels require before treatment starts. The Endocrine Society advises against starting testosterone with an elevated hematocrit or a PSA above 4 ng/mL without further evaluation, so a CBC and a PSA test are part of many starting panels. At one national lab’s posted cash prices that is about $260, or more if you choose an expanded panel.
2. The evaluation. One visit with a licensed provider to review symptoms, history and results.
3. Medication. Generic injections are usually the cheapest form. Prices without a coupon can be much higher: GoodRx listed an average retail price of $454.47 for the most common version of topical testosterone, while coupon prices for generic gels started under $100 (GoodRx).
4. Ongoing care. Follow-up visits and repeat labs, most often in the first year.

Paying cash also has advantages. You can use pharmacy discount cards, which SingleCare notes cannot be combined with insurance. You can also choose self-pay lab menus with posted prices, and you never wait on a prior authorization. If you are not sure you qualify, start with our guides to signs of low testosterone and TRT requirements.

Testosterone therapy cost with insurance

Coverage depends on your plan’s formulary and rules. Even pricing sites disagree: GoodRx says testosterone cypionate is not covered by most Medicare and insurance plans, while SingleCare says it is often covered by Medicare Part D and Medicare Advantage plans. Call your plan and ask about the drug, the labs, and any prior authorization rules. Our full guide on whether insurance covers TRT walks through the questions to ask.

Can you use an HSA or FSA for TRT?

IRS Publication 502 lists prescribed medicines and laboratory fees that are part of medical care as medical expenses (IRS Publication 502). One national lab’s self-pay test pages say you may be able to use HSA or FSA funds for its tests. MultiGen Wellness is a self-pay practice. We do not bill insurance and we do not take HSA or FSA cards directly, so ask your plan administrator whether you can submit an itemized receipt for reimbursement. Details are in our guide to HSA and FSA coverage for hormone therapy.

TRT cost at MultiGen Wellness

Our pricing is simple and posted up front:

• $247 to start. This includes your first visit with a licensed provider.
• $97 per visit after that. You pay for the visits you have.
• Medications are priced separately. Current medication prices are listed on our TRT online page.
• Ask about lab costs. Before you order any tests, ask us which labs your provider recommends and what they will cost.

Because visits are billed one at a time, your yearly cost follows the care you actually need. To see how the process works from the first form to your first prescription, read how to get a TRT prescription online.

Ways to lower your TRT cost

• Ask about generic injections. They are usually the cheapest form.
• Compare vial sizes. One 10 mL vial of 200 mg/mL (from $48.79) holds ten times the testosterone of a 1 mL vial (from $26.37) for less than twice the price, according to GoodRx coupon listings.
• Price-check every fill. Coupon prices differ by pharmacy and change over time.
• Use self-pay lab menus. Posted cash prices make labs predictable.
• Use pre-tax money where your plan allows it. HSA or FSA funds can cover qualified medical expenses.
• Compare against your insurance. If your plan covers visits and labs in network, run the numbers both ways.
• Skip add-ons you don’t need. Ask what each extra medication or supplement is for.

Red flags when TRT seems too cheap

A low price is good only if the care is safe. Be cautious if a program:

• Prescribes without lab work. FDA labels require low morning testosterone on at least two separate days before treatment.
• Has no monitoring plan. Guidelines call for checking testosterone, hematocrit and prostate risk during treatment.
• Sells medication without a prescription. The FDA warns against online pharmacies that “do not require a doctor’s prescription” or offer prices that seem too good to be true (FDA).
• Won’t itemize its price. If you can’t see what is included, you can’t compare it.
• Skips the safety talk. The Endocrine Society advises against starting testosterone in men planning fertility in the near term, among other conditions. See TRT and fertility and TRT side effects.

For more on vetting a program, read is online TRT safe and legit.

Frequently asked questions

How much is TRT a month?

In a 2022 study of three online programs, a year of injectable TRT came to roughly $130 to $350 a month all-in. With generic injections and per-visit billing, our published-price example averages about $95 to $116 a month in year one, before supplies.

What is the cheapest form of TRT?

Generic injectable testosterone is usually the cheapest. A 10 mL vial of 200 mg/mL cypionate was listed from $48.79 with a GoodRx coupon on October 24, 2026.

How much does testosterone cypionate cost without insurance?

With a coupon, GoodRx listed 10 mL of 100 mg/mL from $22.46 and 10 mL of 200 mg/mL from $48.79 on October 24, 2026. Prices vary by pharmacy and ZIP code.

How much does TRT cost in the first year?

Our example built from published prices comes to about $1,142 to $1,386 for the first year, plus supplies. The 2022 study found $1,586 to $4,200 for a year of injectable treatment through three online platforms.

How much do testosterone pellets cost?

The clinic sets the price, because pellets are implanted under the skin and the label’s dosing guideline repeats every 3 to 6 months. GoodRx did not list a retail coupon price for pellets when we checked, so ask for a per-implantation quote that covers both the pellets and the procedure.

How much do TRT blood tests cost?

At one national lab’s posted self-pay prices, a total testosterone test is $69, a CBC is $29 and a PSA is $69, each plus a $6 physician service fee.

Does insurance cover TRT?

Sometimes. It depends on your plan’s formulary and rules, so call your plan before you start. MultiGen Wellness is self-pay and does not bill insurance.

Can I use my HSA or FSA for TRT?

IRS Publication 502 counts prescribed medicines and medical lab fees as medical expenses. MultiGen Wellness does not take HSA or FSA cards directly, so ask your plan about reimbursement.

What does MultiGen Wellness charge for TRT?

$247 to start, which includes your first provider visit, then $97 per visit. Medications are priced separately, and you can ask us about lab costs before you start.

Is online TRT cheaper than seeing a doctor in person?

Not always. In a 2022 study, the first visit through online platforms was among the lowest-cost options, but a year of treatment cost more online than at a hospital-based center. Compare the itemized yearly total, not just the monthly fee.

Talk to a licensed provider

Want to know what your own plan would cost? A licensed provider can review your symptoms and labs and give you a clear, itemized price before you commit. Contact MultiGen Wellness or call 1-800-259-0015.