Any ones insurance pay for HRT?

[mike954]

Ok I have done few cycles in the past I went to my DR got full metabolic test and he said every thing was fine I'm 29 but it's a family DR ? Was looking in to a few HRT clinics around here but my pockets are not that deep any why I can get my insurance to pay ? I called my insurance and they said they would pay for test if it's needed and prescribed by a MD with proof . What do I do

[gixxerboy1]

clinics will pretty much prescribe to anyone. but you pay for it. Goto an endo.

[mike954]

Ya the clinic wanted way to much for me to spend

[gixxerboy1]

your insurcance will cover an endo visit. My insurance doesnt cover the script, but does cover all the test and dr appointments

[mike954]

Thanks I will check it out

[anon77]

Yes, I have Cigna and I pay $20 copay each week at Ageless.

[kelkel]

Op your 29 and barring any pathologies you should not jump on TRT. It's a long road to be on, especially at your age. You need to find the problem first. Can you post up BW here so we can take a look? Specifically LH/FSH, Thyroid panel, Total and Free T, E2, SHBG. If you're not sure about the proper BW to get it's in the Finding a Physician Sticky. When it comes to doctors, their title does not matter unless you can find an A4M Certified one. The majority of docs do not know TRT unless specifically trained in it as it's not part of med school. Read that sticky and see if it helps you. Let us know how things go on this thread please.

Vit D, Vit D, Vit D. Start supplementing with it immediately if you're not. 5k to 10k per day. Most everyone is low and the higher your D is the more it will lower your SHBG level which in turn will allow more free T for use. Best bang for the buck vitamin there is.

[mike954]

Working on getting my BW back from the DR I have to go get it when I do I'll post

[HRTstudent]

Are you looking to go on TRT so you have access to abuse it, or because you are trying to treat low testosterone ?

Its really not quite clear what you are looking for.

Regardless, my insurance covers my TRT.

[mike954]

First I want to go have my BW looked at by a endo and have him tell me and I can't afford it so I want my insurance to pay !! I don't think my family DR really knows what he is looking at ! So no not to abuse to be treated if needed

[Leroy Jenkins]

My insurance covers test and the AI. It will not cover my HCG . They view it as a fertility drug and will not cover it.

[fit2bOld]

Mike 954, Sounds as if you want it to be low so you can get a script. Believe me you really don't want this. My insurance covers DR and Blood work after I meet the annual deductible of $5800. Meds are out of pocket.

[JAMIE07652]

My ins company covers my test . My dr won't prescribe Ai or hcg so I'm on my owe with those ..

[EZ E]

I have been with 2 insurance companies since starting HRT, neither would cover an AI and I doubt any of them will. The nice thing is AIs are cheap and easy to come by with 'research chemicals'. The first company covered the Test and HCG (HCG was considered a compound so I paid almost full $ for it). The second company doesn't cover test but covers the HCG as a generic. My out of packet barely changed since Test is cheap.

[Leroy Jenkins]

United Healthcare covers my AI - anastrozole.

I have been with 2 insurance companies since starting HRT, neither would cover an AI and I doubt any of them will. The nice thing is AIs are cheap and easy to come by with 'research chemicals'. The first company covered the Test and HCG (HCG was considered a compound so I paid almost full $ for it). The second company doesn't cover test but covers the HCG as a generic. My out of packet barely changed since Test is cheap.

[gbrice75]

Pending confirmation on whether or not i'm a TRT candidate, i'll need to find out whether or not my insurance (Horizon BCBS) covers any of the scripts (test/HCG /adex). Not sure how this info helps you, lol.. but since we're thinking along the same lines, I thought i'd mention it.

[HRTstudent]

United Healthcare covers my AI - anastrozole.

My insurance also covers my AI, anastrozole as well.

[Hackamaniac]

My insurance covers Tets cyp and Ai, but not Hcg .

[bass]

my insurance covers testosterone only, but they only allow 4 mgs per month and each time i pickup the meds i have to pay $20 copy, so its cheaper to pay out of pocket, only $57 for 10 ml vial.

[kelkel]

I'm the fortunate one as my insurance covers, test, hcg , AI, Nolva, Caber, Deca , Cialis. Basically whatever he writes me. And yes, I do know how lucky this is.

[BillyBob210]

My insurance covers the testosterone supplement. The rest is readily available online. HcG , AI, etc...

[Times Roman]

My insurance will pay for test, needle/syringe and blood tests.

[mike954]

Ok I just got a scrip for androgel but my insurance is not wanting to pay wtf I'm not paying what the want it's twice my car payment

[Leroy Jenkins]

Ok I just got a scrip for androgel but my insurance is not wanting to pay wtf I'm not paying what the want it's twice my car payment

My insurance will not cover Androgel either. It does cover shots which most find better anyway. Several months of androgel (at the maximum dosage) only raised my total about 60 points.

[JohnnyVegas]

I think wanting to be on TRT is a bad decision. Avoid it if you don't have symptoms and if your blood work doesn't back up your desire. And don't listen to some salesman that says your levels are on the "low end of normal" that can get you up to "optimum" levels. You will go through a lot of inconvenience and expense for very little benefit. You probably would get more placebo effect than actual benefit if your levels are already normal.

Look at the pain in the *ss that TRT has already become for you: doctors, tests, prohibitive expense, insurance issues. These things will continue to be a pain forever.

I started TRT at 41. The thought of starting at 29 is horrifying.

[HRTstudent]

Ok I just got a scrip for androgel but my insurance is not wanting to pay wtf I'm not paying what the want it's twice my car payment

The only time I think anyone should consider androgel is if its covered by insurance. They charge so incredibly much its sickening.


Testosterone is old and cheap. Androgel is big pharma making constantly new patents just to gouge insurance. The end consumer should NOT be paying hundreds of dollars for thsi gel.

[SexySweetheart]

my insurance didnt cover the internal med dr visit or the blood work BUT pays for my scripts

[BengalWoman]

It's all out of pocket here. Kaiser has no clue where to start with this, so one either goes with lousy care, or pay for quality care.

[mike954]

Dr said if insurance will not cover it he will change to injectable my test is at 300 on the blood work

[redhawk01]

for me androgel was $40 out of pocket with insurance. 400 w/o. if he's willing to go inject route, go for it. i switched to test cyp, $16 out of pocket, with ins. the blood work was over 700. just payed my detuctable. good luck to you.

[mike954]

You think the insurance is more likely to cove the injectables due to the cost ?

[redhawk01]

You think the insurance is more likely to cove the injectables due to the cost ?

I think it all depends on your insurance. Do they think Trt is experimental or preventive treatment? Cost could figure in I suppose.

[mike954]

I think it all depends on your insurance. Do they think Trt is experimental or preventive treatment? Cost could figure in I suppose.

I think they need a copy of the blood work and report from the DR. I'm 29 and my test is at 360 from what I can tell that's really low but seems the insurance calls low less then 250 wtf is that crap

[MRNJ1992]

my insurance pays all bw[free] co pay on 10 cc T was 5$ andro was 10$ Medco insurance

[spywizard]

Obama says the federal gov will pay for it, if you can get a board of administrators to say you need it..

[mike954]

Obama says the federal gov will pay for it, if you can get a board of administrators to say you need it..

Now how in the world do I do that ?

[Times Roman]

It's all out of pocket here. Kaiser has no clue where to start with this, so one either goes with lousy care, or pay for quality care.

You have kaiser too?

I almost had to trick my gp into starting me on test. I made up stories about huge ED probs and no libido, and woman threatening to leave me since if i wasn't interested in her, then obviously i'm getting it somewhere else?

then had to armwrestle my doc into halving my dose but twice as often?

my rbc was too high, and they wouldn't do a theaputic blood "draw" (i'm on permenant deferment due to where i lived in the 80's), so i had to go out and have it done elsewhere?

kaiser really is a joke.

[MRNJ1992]

my insurance covers the same even growth hormone . 30 $ for gh 5$ for 10 cc of T

[lovbyts]

my insurance covers the same even growth hormone. 30 $ for gh 5$ for 10 cc of T

Nice, I'm jealous. Maybe I should try hitting mine up again?

my insurance pays all bw[free] co pay on 10 cc T was 5$ andro was 10$ Medco insurance

Is Medco the one paying for you hgh? If so PM me and give me details, that's who I have....

[MRNJ1992]

dont feel bad my total T is 117 urologist took me off T which was 1500...waiting on BW My insurance covers all even Growth Hormone .