The two main pricing models

Monthly membership: a flat fee (often roughly $100–$250/mo) that typically bundles your medication, periodic labs, and clinician follow-ups. Predictable and increasingly common with telehealth providers.

Pay-per-service: you pay separately for the consult, labs, and medication. Can be cheaper month-to-month if you need little oversight, but costs add up and are less predictable.

What drives the price

Several factors move the number up or down:

• Medication type — injectable testosterone is usually the most affordable; pellets and brand-name gels cost more
• Whether labs and follow-ups are included or billed separately
• Telehealth vs in-person (telehealth is often lower-cost)
• Add-ons like HCG, peptides, or ED medications

Does insurance cover TRT?

Some insurance plans cover TRT when low testosterone is documented, but many men pay cash — especially at membership clinics. HSA/FSA dollars can often be used. Always confirm coverage and what's included before starting.

How to compare clinics

Ask every clinic the same question: "What's my all-in monthly cost, and what does it include?" A slightly higher membership that bundles labs and follow-ups is often cheaper — and safer — than a low headline price with everything billed à la carte.