Yes, insurance is the way to go. Most PPOs will cover members designated as "low-T" but the HMOs are hit/miss. My HMO won't cover it.
Keep in mind these clinics will carefully manage your doses. Don't expect super high doses or aggressive compounds. Most use t-prop, cyp, or deca but also provide AIs and hcg. If you are hoping for 600-1200 ml dose of gear weekly, these clinics won't provide that kind of service. They'll manage your testosterone to mid range or upper normal limits. Also, don't expect or ask for aggressive compounds (e.g. Tren). The clinics still operate within acceptable medical guidelines otherwise their licenses would be revoked and they would be shut down.