TRT Clinics That Accept Insurance

Dr. Mike Jansen

Last Updated January 16, 2023


Dr. Mike Jansen

 January 16, 2023

Are you curious about TRT clinics that accept insurance?

Do you wonder how to find the best testosterone clinic that works directly with your insurance provider, so you can save time AND money?

Then you’ve come to the right place. In this comprehensive guide we will show you the best TRT clinics to work with based on your unique insurance plan.

We will also answer your most important TRT questions, including:

  • Is testosterone therapy safe and effective?
  • How quickly will I start noticing results?
  • Is there a difference between testosterone injections and creams?

…And much more!

Our team of experts has analyzed all of the latest research studies to give you science-based answers to all of your most important questions.

By the end of this guide you will have all the information you need to begin transforming your life with TRT.

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 main hormones produced by the human body.

Some experts like to call testosterone the “male sex hormone” and estrogen the “female sex hormone.” This is very appropriate, as men produce far more testosterone than women, and it plays a critical role in men’s overall growth and development.

This isn’t just our opinion though – the latest scientific studies show that testosterone plays a huge role men’s health, including their:

  • Muscle mass
  • Muscle strength
  • Sperm production
  • Body fat levels
  • Stamina

…And much more.

Testosterone may be one of the most important hormones in the human body, but it appears to be on the decline in men all over the world.

Research shows that men’s testosterone levels have been declining by about 1% per year every year sense the 1950s [1]!

Surprisingly, this is true for both older AND younger men [2, 3, 4]. In fact, one recent study showed that younger male firefighters (people you would expect to have high testosterone levels) often suffer from low T [5].

Of course, if you’re a regular reader here at then you probably already know how harmful low T can be for men [6, 7].

Research shows that men with low T suffer from the following conditions [8, 9, 10]:

  • Reduced bone density
  • Reduced muscle mass
  • Reduced muscle strength
  • Increased body fat levels
  • Impaired sexual performance
  • Impaired cardiovascular health
  • Increased risk for type 2 diabetes

As you can see, low T in men is a very big deal.

If you are suffering from signs and symptoms of low testosterone, then you may be a good candidate for testosterone replacement therapy…

TRT Clinics That Accept Insurance

What is TRT?

Testosterone replacement therapy, or TRT, is the safest and most effective way for men with low T to optimize their testosterone levels.

There are many strategies you can use to naturally raise your testosterone levels, including improving your sleep, exercising, and eating a healthy diet. However, nothing even comes close to a customized TRT protocol!

Testosterone therapy is used to raise a man’s testosterone levels to the high end of the healthy, normal range. In other words, it is used to give men the total testosterone levels of a healthy 18-year-old man!

Research shows that TRT is extremely safe, with very few side effects [11, 12, 13]. It also has a number of benefits for older and younger men, including [14, 15, 16]:

  • Increased muscle mass
  • Improved sexual performance
  • Improved body composition
  • Faster recovery from workouts
  • Stronger erections

…And much more! Thousands of men all over the United States are realizing how much better their life is on TRT.

They look and feel younger, their energy levels are higher, and they are getting more attention from the opposite sex. Testosterone replacement therapy might be the closest thing we’ve found to a literal “fountain of youth.”

Who Should Get on TRT?

TRT is the safest and most effective treatment option for men suffering from low testosterone levels.

Millions of men all over the United States are already using TRT – and they are shocked at how their lives have changed for the better… so how do you know if TRT is the right choice for you?

The truth is TRT works best for men who are suffering from signs and symptoms of low T, including:

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

You also need to have clinically low testosterone levels to be a good candidate for TRT.

After all, if you have normal testosterone levels, then raising your testosterone even further may not reduce the severity of your symptoms.

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 any man who is experiencing signs and symptoms of low T, who also has a total testosterone reading of less than 300 ng / dl, is potentially a good candidate for TRT.

If your testosterone levels are above 300 ng / dl, and you are still experiencing symptoms, then things get a little more complicated.

Some doctors refuse to treat patients with TRT unless their testosterone reading is below 300 ng / dl. However, it’s not uncommon for a more experienced TRT doctor to provide a customized TRT plan for patients with total testosterone readings in the 500 – 600 ng / dl range – especially if they are experiencing symptoms of low T.

TRT Clinics That Accept Insurance

How To Find TRT Clinics That Accept Insurance

Health insurance in the United States is a very complicated topic… and this is especially true when it comes to testosterone replacement therapy!

The truth is most TRT clinics will gladly accept your insurance policy. This is true for in-person TRT clinics, as well as the newer online TRT clinics which we often recommend to patients.

The real problem isn’t with TRT clinics accepting insurance – it’s actually the health insurance companies themselves that you have to worry about.

The bottom line is most health insurance providers do NOT cover testosterone replacement therapy. Sure, there are a few conditions where they will actually cover TRT, including:

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

However, unless you are suffering from something like Klinefelter’s Syndrome, the odds of your health insurance provider covering TRT are extremely low.

Most insurance companies need you to demonstrate a strong need for testosterone therapy, and even then, they will use every excuse they can think of to not cover your TRT program.

If you have low testosterone, and are interested in getting started with a doctor-supervised TRT protocol, then you will probably have to pay out-of-pocket.

If you are worried about the cost, and want to save as much money as possible, then we highly recommend working with a reputable online TRT clinic like Fountain TRT. Continue reading to learn more…

Online TRT Clinics vs. Traditional

If you’re reading this article, then you’re probably searching for a great TRT clinic that accepts insurance.

As you already know, most TRT clinics will gladly accept your health insurance policy… it’s the health insurance provider that makes things difficult for us.

Fortunately, there are ways to make TRT more affordable. There are 2 main types of TRT clinics:

  • In-person TRT clinics
  • Online TRT clinics

In-person TRT clinics are often more expensive, as they have more businesses expenses than a lean online TRT provider.

However, some people really like being able to talk to their doctor face-to-face. If this describes you, then check out our guide for the best in-person TRT clinics in your city:

TRT Clinic City Guides

For most individuals, we actually recommend working with a reputable online TRT clinic like Fountain TRT.

Online TRT clinics are far less expensive than in-person clinics, which makes them a great choice for anyone worrying about the cost of a legit TRT program.

Regardless of whether you work with an in-person TRT clinic or an online one, the steps are basically the same:

  • 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

If you want to learn more about the #1 online TRT clinic in the United States, then keep reading…

TRT Clinics That Accept Insurance

Best Online TRT Clinics Near Me

Here at, our team has researched dozens of online TRT clinics.

Most online clinics have issues with their customer service, inexperienced TRT doctors, or other problems that prevent us from recommending them.

However, the online TRT provider Fountain TRT exceeded all of our expectations. They are hands-down our #1 recommendation for a reliable online TRT provider in 2023.

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

As you can see, Fountain TRT makes it as easy as possible to get started with testosterone therapy.

They have superior customer service, world-class TRT doctors, and some of the best prices in the industry. They are a perfect choice for an online TRT clinic, regardless of whether you are a complete beginner with TRT, or an experienced veteran.

One thing we really like about Fountain TRT is the fact that they use a prescription testosterone cream with all of their patients. Research shows the testosterone cream is at least as effective as traditional testosterone injections, but with far fewer side effects [17, 18].

Here is where you can learn more about Fountain TRT:

Get hormone therapy today with Fountain TRT...

Legal TRT Alternative

Testosterone replacement therapy is the #1 solution for men suffering from low testosterone levels.

TRT has been clinically proven to provide superior results to any of the alternatives. However, it’s not the only solution.

Researchers have been looking for a new way to raise men’s testosterone levels safely and effectively, so men just like you can transform their lives – but without worrying about the hassle of a traditional TRT program.

For decades researchers have looked for this “magic pill” that could boost men’s testosterone levels, without causing nasty side effects.

After decades of research, it looks like we finally have the answer: Maximus Tribe.

Maximus Tribe is a new legal TRT alternative designed to raise your body’s natural testosterone production. It actually works by “tricking” your body into producing more testosterone – something that scientists thought was previously impossible.

Maximus Tribe is still a relatively new product, but researchers are blown away by the results so far. Patients are seeing increases in their testosterone levels by up to 200 – 300 points, a feat that was thought to be impossible without a traditional TRT program [19, 20].

In fact, users are reporting the following benefits while using Maximus Tribe:

  • 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 optimizing your testosterone levels, but aren’t ready to get started with TRT, then trying out a powerful legal TRT alternative like Maximus Tribe is the obvious choice.

Here is where you can learn more:

Frequently Asked Questions

Testosterone replacement therapy can be a very confusing topic for many people. With that in mind, here are some of the most frequently asked questions about TRT:

Do I Need A Blood Test To Get On TRT?

Your doctor will require you to get a blood test prior to starting TRT. There are several reasons for this:

  • To measure your exact testosterone levels
  • To customize your weekly TRT dosage
  • To minimize side effects while on TRT
  • To monitor your long-term health on TRT

First of all, a blood test is required to measure your exact testosterone levels.

Remember, TRT is specifically designed to help men who are experiencing symptoms of low testosterone. If you have normal or above-average testosterone levels already, then TRT is unnecessary. If your testosterone levels are below 300 ng / dl, then you may be a good candidate for TRT.

Even if your testosterone levels are in the 500 – 600 ng / dl range, many doctors will consider you as a candidate for TRT, provided you are experiencing symptoms associated with low T.

A blood test is also critical for optimizing your weekly testosterone dosage, and for minimizing side effects while on TRT.

An experienced doctor will monitor many things beyond just your testosterone levels, including your estrogen and hemoglobin levels.

A blood test is also critical for monitoring your long-term health while on TRT.

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

Testosterone injections and testosterone creams are both acceptable for anyone using TRT.

Testosterone injections are considered the “gold standard” approach, as they have the most research backing their safety and efficacy. However, many reliable online TRT clinics like Fountain TRT prefer to use prescription testosterone creams.

There are many advantages for using a testosterone cream, as opposed to traditional testosterone injections:

  • Fewer side effects
  • Less painful to use
  • Easy to apply

Testosterone creams are usually applied twice per day, which allows for more steady and balanced blood testosterone levels during the week.

How Can I Maintain Fertility While Using TRT?

Testosterone replacement therapy is known to reduce your fertility, making it harder to conceive children as a man.

Fortunately, there are steps that you can take to conceive even while on TRT. One of the simplest strategies is to take HCG as part of your TRT protocol.

HCG stands for “human chorionic gonadotropin.” HCG is a hormone that allows men to maintain their natural testosterone production, sperm production, and fertility while on TRT [21, 22].

If you are interested in using HCG as part of your TRT protocol, then we highly recommend speaking with your doctor, so he can optimize your weekly HCG dosage.

How Often Do I Need To Take My Testosterone Medication?

If you are using traditional testosterone injections, then it is recommended to take your prescription testosterone medication at least 1-3 times per week.

Taking testosterone injections less than once per week is not recommended, as it may cause wild fluctuations in your testosterone and estrogen levels.

On the other hand, taking smaller testosterone injections every other day, or even daily, results in extremely stable testosterone and estrogen levels. However, for most people, spreading out your weekly testosterone dosage into 1-3 injections is appropriate.

If you are using a prescription testosterone cream, then we recommend taking your medication 1-2 times per day, such as in the morning and at night.

More frequent dosages are required when using the testosterone cream as the medication has a shorter half life.

When used properly, a testosterone cream applied twice per day results in extremely stable blood testosterone and estrogen levels.

TRT Clinics That Accept Insuarance | Overall

So what’s the verdict… how do I find the best TRT clinics that accept insurance?

The truth is, most major TRT clinics in the United States will accept insurance. However, insurance companies are notorious for denying patients coverage for testosterone replacement therapy.

Unless you have a proven medical condition like:

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

…then it will be very difficult to get insurance to cover your TRT medication.

For most people, the best option is to work with an affordable online TRT clinic like Fountain TRT.

Here at we especially like online TRT clinics, as they are far less expensive than traditional in-person clinics. This makes sense, as online clinics don’t have to waste money paying for rent and other major expenses.

And that means they can pass on their cost savings onto you – the customer.

Millions of men all over the United States have used TRT to transform their lives and feel 10-20 years younger… will you be next?


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