Online TRT Clinics That Accept Insurance

Dr. Mike Jansen

Last Updated January 16, 2023


Dr. Mike Jansen

 January 16, 2023

Are you curious about online TRT clinics that accept insurance?

Do you wonder if testosterone therapy is actually covered by your insurance policy, and if so, how to find the best online clinic based on your health insurance provider?

Then you’ve come to the right place.

In this comprehensive guide we will show you how to get started with TRT as quickly as possible, whether that is with a local TRT clinic that accepts insurance, or our preferred online TRT clinic.

We will also answer your most important testosterone therapy questions, including:

  • How will testosterone therapy transform my life?
  • Will I really feel 20 years younger while using TRT?
  • How will testosterone therapy impact my sexual performance?

…And much more!

Our team of experts has analyzed all of the latest information on testosterone therapy, including which clinics accept health insurance, so you know you can trust the information in this guide.

Now let’s get started!

Get hormone therapy today with Fountain TRT...

Disclaimer: The contents of are for informational and educational purposes. We do not provide legal advice. Likewise, we do not provide medical advice, diagnosis, or treatment. Please consult your physician prior to consuming any over-the-counter supplements, like a natural testosterone booster, and/or getting a prescription for a pharmaceutical medication. Your access to is subject to our full disclaimer and terms of use.

Testosterone 101

Testosterone is one of the most well-known hormones in the human body.

It plays a critical role in regulating muscle mass and strength, bone density, the immune system, self-confidence, energy levels, and more.

Testosterone is also responsible for giving men their secondary sexual characteristics, including their facial hair and voice tonality.

This isn’t just our opinion though… research shows that healthy testosterone levels play an important role in men’s:

  • Sexual performance
  • Sperm production
  • Muscle mass
  • Muscle strength
  • Cardiovascular health

…And much more.

This might surprise you, but men’s testosterone levels are actually declining all over the world. This is obviously a huge issue, as testosterone is so important for men’s overall health.

The latest studies show that men’s testosterone levels have been declining by about 1% per year for the past 50 years [1]. This trend isn’t just affecting older men though – today many younger men are also suffering from signs and symptoms of low T [2, 3, 4].

In fact, a recent study showed that low T can even affect young, healthy firefighters who are in the best shape of their lives [5]!
Men suffering from low T often find their entire life is tipped upside down. They start to suffer from a wide range of health issues, including [6, 7, 8, 9, 10]:

  • Impaired sexual performance
  • Reduced bone density
  • Reduced muscle mass
  • Reduced muscle strength
  • Increased risk for type 2 diabetes

The list goes on and on!

The bottom line is testosterone plays a huge role in men’s physical and mental health.

Any man suffering from signs and symptoms of low T is encouraged to talk to their doctor about testosterone replacement therapy, and whether or not it’s a good choice for them.

Online TRT Clinics

What is TRT?

Testosterone replacement therapy, or TRT, is one of the safest and most effective treatment options for men suffering from low T.

Here’s how it works: if your doctor diagnoses you with low testosterone levels, then you will be given a prescription testosterone medication to raise and optimize your total testosterone.

The goal of TRT is to raise your testosterone levels to the high end of the healthy, normal range, but this varies based on individual preferences. Research shows that TRT is by far the safest and most reliable treatment option for men suffering from low testosterone [11, 12, 13].

TRT also has many benefits that you should be aware of, including [14, 15, 16]:

  • Improved sexual performance
  • Increased muscle mass
  • Improved energy levels
  • Faster recovery from workouts
  • Increased confidence

…And much more!

Thousands of older and younger men are reporting the same thing: starting testosterone replacement therapy was one of the best decisions they’ve ever made.

Older men are reporting they feel 10-20 years younger, while younger men suffering from low T report TRT has skyrocketed their confidence and energy.

Best of all, TRT has virtually zero side effects – especially when performed under the supervision of a qualified TRT doctor [17].

Who Should Get on TRT?

Testosterone therapy, or TRT, is the #1 treatment option for men suffering from signs and symptoms of low testosterone.

If you think you might have low T, then you are not alone. Millions of men in the United States are using TRT to address their low T problem, and most men are shocked at how much better they feel.

Of course, TRT is not for everyone. TRT is only used to treat men suffering from signs and symptoms of low testosterone, including:

  • Impaired sexual performance
  • Reduced muscle mass and strength
  • Decreased energy levels
  • Reduced confidence and “drive”
  • Increased body fat levels

If you have any of these symptoms, then we strongly recommend talking to your doctor about TRT.

If he agrees that you might be suffering from low T, then he will order a blood test to measure your exact blood testosterone levels.

Here is a simple overview of total testosterone levels in men:

What Are Normal Testosterone Levels In Men?

  • Clinically low T levels: < 300 ng / dl
  • Potentially low T levels: 300 – 800 ng / dl
  • High T levels: 800 – 1,200 ng / dl

Most doctors agree that anything below 300 ng / dl is considered “low T.”

If your total testosterone levels are below 300 ng / dl, then you are probably a good candidate for TRT.

However, experienced TRT doctors understand that many men with total testosterone levels in the 500 – 600 ng / dl range also experience signs and symptoms of low T, and are often willing to prescribe TRT for them.

It should go without saying, but TRT is NOT recommended for men who already have high testosterone levels.

TRT offers no benefits for individuals with total testosterone readings in the 800 – 1,200 ng / dl range, and may even come with negative health consequences.

Online TRT Clinics

How To Find TRT Clinics That Accept Insurance

Online TRT clinics were designed to be as fast, easy, and affordable as possible.

Therefore, it should come as no surprise that most online TRT providers accept the major insurance providers, including UnitedHealth Group, Anthem, Aetna, Cigna and Humana.

However, that isn’t the end of the story… the truth is most insurance companies do NOT cover TRT, or testosterone replacement therapy.

TRT is only covered by most major insurance providers if you have a specific medical condition, such as:

  • A pituitary tumor
  • Klinefelter’s Syndrome
  • Kallman’s Syndrome

If you do not have a specific medical condition that warrants the use of TRT, then it is unlikely our insurance provider will cover the cost.

This means you will probably have to pay out-of-pocket for any expenses related to your TRT protocol.

Ok, that’s the bad news… but here’s the good news: online TRT clinics are designed from the ground-up to be as affordable as possible. Because these clinics communicate with their patients via Zoom, e-mail, and other telehealth technologies, they don’t have to waste money on rent and other fixed costs.

This means they can pass their savings onto you, the consumer.

Even if insurance does not cover the cost of your TRT protocol, we are confident that you will be thrilled with the low, low price found with many online TRT providers.

This is especially true if you work with our preferred online TRT provider, Fountain TRT.

Online TRT Clinics vs. Traditional

If you’re reading this article, then you may have heard about some of the newer online TRT clinics like Fountain TRT.

You may also have questions about online TRT clinics, including:

  • How do online TRT clinics work?
  • Are online TRT clinics really better than in-person clinics?
  • How do I communicate with my doctor online?

The truth is online TRT clinics are a great alternative to more traditional in-person TRT clinics.

Both options get the job done. However, in our experience online TRT clinics have many advantages over their in-person counterparts.

The main difference with an online TRT clinic is the fact that you communicate with your doctor online only. This means you never have to drive to a clinic, and wait in the waiting area for 30-45 minutes before finally getting the chance to speak to your doctor.

Instead, with an online TRT clinic you can speak to your doctor from the comfort of your own home.

Getting started with an online TRT clinic is surprisingly easy:

  • Step #1: Talk to your doctor about your signs and symptoms of low T
  • Step #2: Perform a blood test to measure your exact testosterone levels
  • Step #3: Go over the results with your doctor, including whether you actually have low T
  • Step #4: Begin using your prescription testosterone medication, as outlined by your doctor

The only real differences between an online TRT clinic, and an in-person one, is the fact that you get to speak to your doctor from the comfort of your own home.

You also save a TON of money with online TRT clinics as opposed to in-person ones.

Of course, some people still prefer to work with in-person TRT clinics. This is especially true for older individuals who are less skilled with technology.

However, for everyone else, a reputable online TRT clinic is the clear winner.

Online TRT Clinics

Best Online TRT Clinics Near Me

Here at we’ve reviewed dozens of online TRT clinics.

Our goal was to find a reliable, reputable online TRT clinic that exceeded all of our expectations. We wanted to find a clinic with extremely qualified doctors, fantastic customer service, and affordable treatment options that would fit a wide variety of budgets.

Based on our research, we believe Fountain TRT is the #1 online TRT provider available in the United States.

Fountain TRT was founded by Dr. Doron Stember, a board certified urologist with decades of experience treating men with low T.

We like Fountain TRT because they use a simple 3-step process with all of their patients:

  • Step #1: Talk to your doctor about your signs and symptoms of low T
  • Step #2: Perform a blood test to measure your exact testosterone levels
  • Step #3: Begin using your prescription testosterone medication, as outlined by your doctor

This means it is as easy as possible for you to get started on TRT, and begin feeling the effects of the #1 treatment option in the world for low testosterone.

We also like Fountain TRT for their experienced medical staff, superior customer service, and affordable rates.

As an added bonus, Fountain TRT uses a prescription testosterone medication with all of their patients. This means you don’t have to worry about using painful testosterone injections 1-3 times per week.

Don’t worry – the latest research shows that testosterone creams are just as effective as traditional testosterone injections, and come with virtually zero side effects [18, 19].

If you are ready to get started with Fountain TRT, then here is where you can learn more:

Get hormone therapy today with Fountain TRT...

Legal TRT Alternative

Testosterone replacement therapy is the “gold standard” treatment option for men suffering from low testosterone levels.

The latest research studies show that nothing else even comes close for restoring men’s natural testosterone levels, and eliminating their symptoms of low T.

Of course, some people are nervous about getting started on a TRT protocol. If this describes you, then you may be interested in using a powerful “legal steroid alternative” like Maximus Tribe.

Legal steroid alternatives are not as strong as traditional TRT protocols. However, if you are just looking to boost your total testosterone levels by 200 – 300 points, then they can be a great option.

If you are interested in using a powerful legal TRT alternative, then Maximus Tribe is our #1 recommendation.

Maximus Tribe is a new pharmaceutical-grade legal TRT alternative. It is technically a purified and concentrated version of the testosterone boosting medication clomid.

Maximus Tribe works by “tricking” your body into producing more testosterone than it normally would [20, 21].

Research shows that Maximus Tribe has the following clinically proven benefits for men suffering from signs and symptoms of low T:

  • Significantly improved testosterone levels
  • Increased muscle mass and strength
  • Improved sexual performance
  • Faster recovery between workouts
  • Improved physical and mental well-being

If you are serious about boosting your testosterone levels, but you are not ready to try testosterone replacement therapy, then using a powerful “legal TRT alternative” like Maximus Tribe can be a great option.

Here is where you can learn more:

Frequently Asked Questions

Here are some of the most frequently asked questions about TRT:

Do I Need A Blood Test To Get On TRT?

Getting a blood test is 100% required for anyone interested in getting started on TRT… there are no exceptions!

A blood test is so important because it is the only reliable way to measure your exact testosterone levels.

As you may already know, TRT is only appropriate for individuals who have low T, and are suffering from signs and symptoms of low testosterone.

If you have normal or high testosterone levels, but you are still suffering from signs and symptoms of low T, then your doctor will need to run more tests to determine the root cause of the problem.

What’s Better: Testosterone Injections, Or Testosterone Creams?

There is a lot of debate between testosterone injections and testosterone creams. Does one actually work better than the other?

The truth is both testosterone injections and creams are equally effective. Either one can be used in a doctor-supervised TRT protocol.

Testosterone injections are often considered the “gold standard” option, as they have the most research backing their efficacy. However, the latest research shows that testosterone creams are just as effective, and may even have fewer side effects.

The main difference between testosterone injections and testosterone creams is how often you administer the medication.

Most people using testosterone injections choose to inject 1-3 times per week. On the other hand, individuals using a testosterone cream are advised to administer 1-2 times per day, as the product has a much shorter half life.

How Can I Maintain Fertility While Using TRT?

Many individuals are interested in maintaining their fertility while using TRT. Fortunately, there are many ways to do this.

One of the safest and most effective ways to maintain fertility while using TRT is to take HCG as part of your TRT protocol.

HCG, aka “human chorionic gonadotropin,” is a hormone that allows you to maintain your natural testosterone and sperm production – even while on TRT [55, 56].

This means you can still conceive and have children while on TRT, provided you are taking HCG.

If you are interested in using HCG to maintain your fertility while on TRT, then we strongly recommend talking to your doctor about this prescription medication.

How Often Do I Need To Take My Testosterone Medication?

How often you take your testosterone medication depends on whether you are using testosterone injections or a prescription testosterone cream.

If you are using injections, then most experts recommend you take your testosterone medication 1-3 times per week in equally divided doses.

Injecting testosterone less than once per week is NOT recommended, as it may cause wild fluctuations in your blood testosterone and estrogen levels.

Some individuals like Derek from More Plates More Dates choose to inject daily to minimize side effects. However, for most individuals 1-3 injections per week is sufficient.

If you are using a prescription testosterone cream, then it is recommended to administer 1-2 times per day. The more frequent dosing is required as the testosterone cream has a much shorter half life in the body.

TRT Clinics That Accept Insurance | Overall

So what’s the verdict… do online TRT clinics accept insurance?

The vast majority of online TRT clinics do accept insurance. This is true whether you are working with Fountain TRT, Marek Health, Hone Health, or any other major online TRT provider.

The issue is most major insurance providers do NOT reimburse for TRT, unless you are suffering from a specific medical condition like Klinefelter’s Syndrome or Kallman’s Syndrome.

Fortunately, most online TRT providers are much more affordable than traditional in-person TRT clinics. This means you can save a TON of money just be using an online TRT clinic – even if your insurance doesn’t cover 100% of the cost.

If you are looking to save money, then we recommend working with a reliable online TRT provider like Fountain TRT.

Just imagine how much younger you will look and feel once you start your new TRT protocol with Fountain TRT….

Millions of men all over the United States are already on TRT, and their only regret is not starting sooner. Will you be next?


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