
Originally Posted by
Cylon357
Having said that, the idea of trying to game the system is, in general, a Fool's Game, IMO.
OP, I'm not calling you a fool, just saying that in general, this is a bad plan. I will explain why, but you aren't the first to come up with this scheme.
So, you want the insurance company to pay for your test? Neat! I totally agree that they should... after all, isn't that one of the benefits to being part of the club?
Here is the snag: insurance companies are FOR PROFIT, and one of the ways they keep profits down is by, you guessed it: not paying for things!
What they do, and it is really just a matter of patience, is force you to demonstrate that you actually have the condition they are paying for. In the most extreme case for TRT, that will typically mean 2 or even 3 low testosterone results, usually about a month apart. If you get those results, then OK, you win the prize: they will give you the special pricing on test!
I have (had) pretty good prescription benefits and my 10ml test is about $16. Costco has it right off the shelf at $65.79. With my dose (and likely the dose the insurance company will be cool with it), that's about a 90 day supply.
So, you jump through all those hoops just to save about 17 dollars a month. Remember you had to feel like shit for 3 months, and that assumes you were successful the first time through.
Was it worth 17 dollars a month? It might be, or maybe you just enjoy sticking it to the insurance company. I can totally get that.
Better plan, IMO, and one that I am likely going to be doing going forward is finding the right doc, and just paying out of pocket from some place like Costco. And in your case OP, you can start that RIGHT NOW, rather than having / trying to game the system.
Sometimes, the best way to win is simply not to play the game.
All this is just one man's opinion, of course, and worth exactly what you paid for it...