Unfortunately, most insurances do not cover TRT because they deem it medically unnecessary. The other issue with coverage is your lab numbers have to be out of range for men of all age groups instead of men of your age group. For example, a 50 year old male might have a total testosterone of 425 and have symptoms of low T. The insurance company will say he’s within the reference range and we will not pay for treatment even though the man is suffering and is clinically low for his age bracket. Fortunately, TRT is extremely affordable at many clinics and the medication itself is less than $1 a day in generic form.