Cost by Delivery Method: Published 2026 Prices
Injections (testosterone cypionate) — About $24–$55 for a 10 mL vial (200 mg/mL) with a GoodRx coupon. At a standard weekly dose, one vial lasts months, putting the drug cost near $20–$45 per month. Injections are the least expensive and most adjustable option, and the one most men choose.
Gels — Brand-name gels list in the several-hundred-dollar range per month without insurance; GoodRx shows AndroGel® around $450–$470 for a month's supply at retail. Cash-pay patients rarely choose gels at that price — they mostly make sense when insurance covers them.
Pellets — Brand-name testosterone pellets (Testopel®) run about $1,065 for a supply of ten 75 mg pellets, per Drugs.com's price guide, before the insertion procedure fee. An insertion lasts roughly 3–6 months. Compounded pellet programs price differently by clinic.
Those are medication prices only. Labs, visits, and monitoring are billed separately almost everywhere — and for TRT, they're the part that matters most.
What Insurance Actually Requires
Insurers generally cover TRT only for documented hypogonadism, and the bar most of them use comes from the American Urological Association's clinical guideline: total testosterone below 300 ng/dL on two separate early-morning blood draws, plus symptoms.
Low testosterone is common — the AUA guideline cites deficiency prevalence between roughly 12% and 39% of men from their 50s through their 80s, rising with age.
The coverage gap: many men sit in the low-normal range — above 300 ng/dL but clearly symptomatic. Insurance usually says no, and those men make up a large share of the cash-pay TRT market. If that's you, the published numbers in this guide are your realistic starting point.
Why a Real TRT Program Costs More Than $30 a Month
If the drug is cheap, what are you paying a clinic for? The honest answer, at a legitimate practice, is the medicine around the medication:
Getting the diagnosis right — Two early-morning draws and a full panel: total and free testosterone, estradiol, SHBG, thyroid markers, hematocrit, and PSA. Treating a number without this workup is how men end up on TRT who never needed it.
Follow-up labs — Levels are rechecked at 6–8 weeks to confirm your dose, then periodically after that. Dosing drifts; labs catch it.
Safety monitoring — TRT can raise hematocrit (thickening the blood) and affects markers like PSA. Checking these isn't optional on long-term therapy; it's the difference between managed treatment and unsupervised dosing.
Visit cadence and adjustments — Dose changes, side-effect management, and switching delivery methods when something isn't working.
The simple test when you compare offers: if a TRT program only charges you for the drug, ask who is checking your hematocrit and PSA — and what happens when your levels drift.
Enclomiphene and Compounded Options
Enclomiphene — an oral option that prompts your body to make more of its own testosterone rather than replacing it — is not an FDA-approved product. It's available as a compounded medication, which means it's cash-pay everywhere, priced by the pharmacy and clinic. It's often chosen by men who want to preserve fertility or avoid injections.
Compounded testosterone also exists in custom strengths and forms, priced pharmacy by pharmacy.
At Peak Medical Wellness, which form of therapy you use is a clinical decision made with your provider at an in-person evaluation — cost matters, but it's the last input, not the first. Our Fort Collins TRT program covers the full evaluation, personalized dosing, and the follow-up that keeps treatment safe.
Frequently Asked Questions
How much does TRT cost per month without insurance?
The medication itself is inexpensive — generic testosterone cypionate runs about $20 to $45 per month at typical doses with pharmacy discount pricing. Complete programs cost more because they include labs, provider visits, and safety monitoring; totals vary by clinic and delivery method.
Does insurance cover testosterone replacement therapy?
Usually only for documented low testosterone: below 300 ng/dL on two separate early-morning blood tests, plus symptoms — the standard set by the American Urological Association. Men in the low-normal range are often denied coverage and pay cash.
Are testosterone pellets more expensive than injections?
Per month, usually yes. Brand-name pellets list around $1,065 for a ten-pellet supply, plus an insertion fee every 3 to 6 months, while generic injections cost far less. Pellets trade higher cost for steady dosing without weekly injections.
How much does TRT cost at Peak Medical Wellness?
It depends on your labs, your delivery method, and your monitoring plan, so we quote it person to person rather than posting a number. Call (970) 239-3595 or book a consultation and we'll walk you through the full cost before you start.
Why do TRT clinics charge more than the price of testosterone?
Because safe TRT is more than the drug. A legitimate program confirms the diagnosis with two morning labs, runs a full baseline panel, rechecks levels at 6 to 8 weeks, and monitors safety markers like hematocrit and PSA over time. If a program only charges for the medication, ask who is doing that work.
Want a Real Number for Your Situation?
TRT costs depend on your labs, your delivery method, and your monitoring plan — so we quote it person to person. Book a consultation at our Fort Collins clinic and we'll lay out exactly what your program would include, and what it would cost, before you start.
Results disclaimer: Individual results vary. Outcomes depend on each patient's unique health profile, treatment adherence, and other individual factors. Peak Medical Wellness does not guarantee specific results.
