TRT costs vary depending on the type prescribed. If you have health insurance and need TRT to treat a health condition, you probably won't have to pay the full cost. Depending on your location and whether a generic version is available, the actual cost may also vary. The monthly cost can range all the way from $20 to $1,000. There are a number of factors that affect the cost, including the type of medication, location, brand, and method of administration.