Six questions. An honest estimate. Either way, the $199/month cash program is built and ready — so you walk out of the free T-check with a treatment plan, not a wait.
Reality check: peer-reviewed data (Endocrine Society 2018 guidelines; the Hypogonadism In Males study; the European Male Aging Study) put symptomatic, lab-confirmed hypogonadism at roughly 2–6% of US men 40–79. Even using broader criteria, fewer than 10% of symptomatic men meet what insurance plans actually require — two separate morning draws under 300 ng/dL with documented symptoms. Most men with real symptoms land in the 300–500 range. We don't sugarcoat the math here.
If you're not sure, check the front of your insurance card — it usually says PPO, HMO, EPO, or HDHP near the plan name.
This is the single biggest factor — and the one most patients don't realize how strict it is. Insurance plans require two separate morning fasted draws BOTH below 300 ng/dL. One low draw isn't enough.
Some plans require age 40+ for "age-related hypogonadism" approval.
Tap all that apply. Insurance requires documented symptoms alongside the lab number — more symptoms strengthens the medical-necessity case.
These can strengthen or weaken your case for coverage. Tap all that apply.
Same medication, same physician, same labs and monitoring. No prior auth, no denial letters, no surprise bills. HSA and FSA cards accepted — most patients pay with pre-tax dollars (effectively ~$130–$160/mo). Most patients start within a week.
$199 / month · HSA/FSA acceptedNo obligation. We'll pull your specific plan's TRT policy and tell you exactly where you stand.
"Estimate based on typical 2026 plan policies and Endocrine Society medical-necessity criteria. Final coverage requires prior authorization and is determined by your specific plan and your actual lab values. Not a guarantee of coverage."