TLDR: i read the first few posts, then i responded. sorry if i beat a dead horse somewhere above :-D


Ok... I think im pretty qualified to answer this...

It will honestly depend on what you are wanting to gain, and where you are currently.
If you have legit low testosterone, verified by blood work; then its possible an endocrinologist will prescribe testosterone for you. However it will be at much lower dosing and total Testosterone levels will be at "goal" at a lower level. That being said, that will typically be covered by any commercial insurance. However, if there are any side effects, the endocrinologist will be much more qualified and educated to handle any issues. That is a benefit of going through an endocrinologist.
A TRT clinic is a cash generating clinic. Most of them have a mid-level (NP, PA) do all the work. They also have deals with a compounding pharmacy that they can provide in their clinic. Some of the techniques are questionable (sub q test 3x week) but they end up with higher test levels. It is cash only however, average $250 month (at least around here) and you get the testosterone from the compounding pharmacy. A major (IMO) drawback is that they likely dont know anything about how to maintain testicular fortitude during the usage of their high dosage testosterone, nor how to run a PCT to regain/restart testicular function.

So it honestly depends on what you are looking to gain. Do you truly have testosterone dysfunction and want that to be medically treated? Likely be life long, but covered by insurance.

Or do you want essentially a low level 'juicing' at a local clinic? Yet they typically dont have the knowledge on how to cycle hormones and maintain natural function.