TRT cost per month in 2026 ranges from $77 to $249, depending on the delivery method you choose and how much your clinic bundles into one fee. Most men on a reputable telehealth program pay $77–$149/mo. The spread is wide because "monthly cost" means very different things. Some clinics price only the membership and bill labs, medication, and anastrozole separately.
This guide breaks down verified 2026 prices by delivery method, shows exactly what's included at each price point, details the hidden costs most clinics bury in fine print, and explains your insurance and FSA/HSA options for cutting the real out-of-pocket TRT cost per month.
Independent Editor · Prices verified June–July 2026 from each clinic's website · Independently researched
What is the average TRT cost per month in 2026?
The average TRT cost per month across online telehealth clinics is roughly $99–$149, but the range runs from $77 all-in to $249+ for oral FDA-approved testosterone. Here is the landscape:
| Delivery method | Monthly cost range | Labs typically included? |
|---|---|---|
| Injectable cypionate | $77–$150 | Varies. Bundled at some, extra at others |
| Topical cream (daily microdose) | $129–$231 | Usually included |
| Gel / nasal spray | $99–$200 | Varies |
| Oral Kyzatrex (FDA-approved) | $149–$249 | Usually included |
| Pellet implants | $400–$600 / 4–6 months | Typically separate |
Injectable testosterone cypionate remains the cheapest entry point. The lowest starting price in our dataset is DudeMeds at $77/mo (televisit, prescription, medication and shipping; labs separate), followed closely by Peter MD at $79/mo via our link ($99/mo on its public site).
Price verification note: All prices confirmed from clinic websites June–July 2026. Confirm current rates before enrolling.
TRT cost per month by delivery method
Injectable testosterone: $77–$150/mo
Injectable testosterone cypionate is the most prescribed modality in telehealth TRT and the lowest-cost option. The key difference between clinics at this price point is what's bundled:
| Clinic | Monthly price | Labs included? | Anastrozole included? | Syringes included? |
|---|---|---|---|---|
| DudeMeds | $77 | ❌ Billed separately (purchase or upload your own) | ✅ | ✅ |
| Peter MD | $79–$99 | ❌ Billed separately ($340 year one, $115/yr after) | "If needed" (clinic's wording) | ✅ |
| MangoRx | $149 | ✅ Comprehensive lab test | Not stated | Not stated |
| TRT Nation | $99 (2.5-month minimum) | Varies | ❌ | Varies |
| Hone Health | $155 + meds from $28 | Follow-up included; intake billed separately | Not stated | Not stated |
TRT Nation's row carries a condition the others don't: its rate requires a 2.5-month minimum purchase, so the smallest amount you can commit to at signup is around $250 rather than one month.
The difference between DudeMeds' $77 plan and MangoRx's $149 plan is smaller than the headline gap over 12 months. MangoRx bundles labs into its $149/mo rate, so there is no lab draw to add, while DudeMeds' lab work comes on top of its $77. Before those labs, the headline gap is $72/mo.
Visit DudeMeds → from $77/mo (injectable; labs separate)
Visit Peter MD → $99/mo flat. Injectable testosterone or oral enclomiphene; blood work extra
Topical cream and gel: $99–$231/mo
Topical testosterone avoids needles entirely and is priced higher to reflect compounding pharmacy costs:
| Clinic | Monthly price | Method | Notes |
|---|---|---|---|
| Peter MD | $99 | Oral enclomiphene (a SERM, not testosterone) | Same price as injectable plan |
| Hone Health | $155 + meds from $28 | Gel | Medication billed separately |
| Try Ageless Complete | $129 | Injectable, cream, or oral | 4 modalities + anastrozole; follow-up labs included |
| Male Excel | $99 membership + cream from $132 | Daily cream microdosing | Clinical supervision 9.0/10 |
| Marek Health | No monthly rate published | Not stated | Its site shows "$299" with no billing period and a $450 minimum lab panel (read 14 October 2026) |
Male Excel uses a unique daily cream microdosing model. No needles, no oral absorption variability, consistent daily delivery. At a $99/mo membership plus cream from $132/mo it is not cheap, but its clinical oversight score is 9.0/10, with only one clinic in our database scoring higher.
Try Ageless is notable for offering injectable, topical or tablet testosterone on a single $129/mo Complete plan (Kyzatrex oral is on the $209/mo Optimize tier), which makes it easier to switch delivery methods if your physician recommends it. That $129 rate assumes you upload your own baseline bloodwork; clinic labs are $20/mo more.
Oral testosterone: $149–$249/mo
Oral testosterone represents the newest telehealth modality with two distinct categories:
Kyzatrex (FDA-approved oral undecanoate): Absorbs via lymph rather than the portal vein, avoiding liver first-pass metabolism. More expensive because it is a branded FDA drug:
- MangoRx PRIME: ~$249/mo via MangoRx's pharmacy partner
- Try Ageless Optimize plan: $209/mo (adds Kyzatrex + HCG to the base plan)
Compounded oral testosterone: Available off-label at some clinics, priced lower than Kyzatrex. Not FDA-approved for this specific formulation. Discuss the FDA status with your prescriber before choosing.
See our full comparison: Oral Testosterone vs Injections: Which Is Better?
What is actually included in your monthly TRT fee?
Not all "$99/mo" plans carry the same value. True TRT cost per month depends on what is, and is not, inside that number:
| Cost component | DudeMeds $77 | Peter MD $79–99 | MangoRx $149 | Male Excel $99 + cream from $132 | Try Ageless $129 |
|---|---|---|---|---|---|
| Clinician oversight | ✅ | ✅ | ✅ | ✅ | ✅ |
| Testosterone medication | ✅ | ✅ | ✅ | ❌ Billed separately, from $132 | ✅ |
| Bloodwork | ❌ Billed separately | ❌ Billed separately | ✅ Included | Every 6 months, included; first panel not stated | Follow-up included; baseline: own labs at $129 (clinic labs $20/mo more) |
| Anastrozole (aromatase inhibitor) | ✅ Included | "If needed" (clinic's wording) | Not stated | ❌ Not prescribed (clinic's own statement) | ✅ Included |
| Follow-up televisits | ✅ | ✅ | ✅ | ✅ | ✅ |
| Enclomiphene option | ✅ | ✅ | ❌ | ❌ | ✅ |
MangoRx's $149/mo is flat and includes labs. DudeMeds and Peter MD bill labs separately. Male Excel's $99 is the membership: the cream is billed separately from $132/mo, and a blood panel every 6 months is included. Try Ageless's $129 rate assumes you upload your own baseline bloodwork (clinic labs are $20/mo more), and its follow-up labs are included.
Hidden TRT costs most clinics do not advertise
When comparing TRT cost per month across providers, these line items can add $50–$200/mo to what you actually pay:
1. Initial evaluation or onboarding fee
Some clinics charge a one-time evaluation before your first prescription:
- Peter MD: we could not confirm a one-time evaluation fee on either of its own domains (both re-read 2026-09-21), so we add none here
- DudeMeds: Refunds the evaluation fee if you are not eligible for treatment (LegitScript-verified refund policy)
- MangoRx and Male Excel: Evaluation typically included in the first month
2. Labs not bundled into the monthly fee
- DudeMeds: asks you to purchase or upload your own lab work, so labs come on top of the $77/mo
- Peter MD: publishes blood work at $340 in year one and $115 a year after, on top of the monthly fee
- MangoRx is the exception among these three: its $149/mo product page lists a comprehensive lab test as included
3. Anastrozole (aromatase inhibitor) billed separately
Some men need an aromatase inhibitor to keep estrogen in range during TRT. If your clinic does not bundle it:
- Anastrozole: $20–$60/mo additional
- DudeMeds and Try Ageless include it; Peter MD's plan pages list it "if needed"; Male Excel says it does not prescribe it; we hold no record for MangoRx
4. Shipping
Most telehealth TRT programs ship free via standard mail. Confirm whether overnight cold-chain shipping for injectables incurs an extra fee.
5. Annual vs monthly billing gap
The difference between annual and monthly billing can be significant:
| Clinic | Monthly billing | Annual billing | Annual savings |
|---|---|---|---|
| Peter MD | $79/mo via our link · $99/mo public | No annual plan published | — |
| MangoRx | $149/mo | No annual plan | — |
| DudeMeds | $77/mo | No annual plan | — |
Peter MD's annual plan is often the better deal than any coupon code. See our Peter MD review for the full breakdown.
Does insurance cover TRT in 2026?
Short answer: usually not for telehealth programs, but it depends on your diagnosis code and insurance plan.
In February 2025, the FDA removed the cardiovascular black-box warning from testosterone products. In June 2026, HHS asked the FDA to also remove the restriction stating that safety and efficacy in "age-related hypogonadism" had not been established. See our FDA Testosterone Label Change 2026 article for the full analysis. These regulatory changes make TRT medically more accessible, but they have not changed insurance coverage rules.
What insurance sometimes covers:
- Primary hypogonadism (pituitary/testicular cause, often diagnosed before 35): Some commercial plans cover injectable testosterone cypionate at retail pharmacy prices, roughly $20–$60/mo with GoodRx, but the telehealth membership fee is typically not covered as a separate line item
- Diagnostic bloodwork: Often partially covered under standard lab benefits
- HSA/FSA: IRS Publication 502 counts prescribed medication and medical care as qualified expenses. Whether a given clinic's charges qualify is your plan administrator's call (see next section)
What insurance typically does not cover:
- Compounded testosterone (cream, gel, or non-FDA oral formulas)
- Kyzatrex oral. Still awaiting broader insurance formulary coverage as of mid-2026
- Telehealth membership fees for out-of-network clinics
- Anastrozole for TRT-related estrogen management (covered for cancer indications only)
Practical takeaway: Budget for out-of-pocket costs. Treat any insurance coverage of labs as upside, not a guaranteed reduction in your monthly TRT cost per month.
FSA and HSA: the most practical way to lower TRT cost per month
A Health Savings Account (HSA) or Flexible Spending Account (FSA) is the single most accessible tax break for TRT cost per month when insurance does not cover the program. Per the IRS Publication 502, prescription medications and clinician-supervised medical programs qualify as deductible medical expenses.
How it works:
- Contributions are pre-tax (HSA) or pre-tax via payroll deduction (FSA)
- At a 22% federal bracket, every $1,000 in TRT expenses paid via HSA/FSA saves ~$220 in taxes
- What clinics say: DudeMeds says "we do accept HSA and FSA cards for payment", Peter MD says it accepts "HSA/FSA cards at checkout", Male Excel says "You may be able to use FSA, HSA, or HRA funds for reimbursement", and Hone Health lists its initial testing assessment as "FSA/HSA eligible" (all read 27 September 2026). Try Ageless states nothing on this that we could find. Either way, confirm with your plan administrator. A Health Savings Account (HSA) and Flexible Spending Account (FSA) can both be used for qualified medical expenses. The Internal Revenue Service defines qualified medical expenses in IRS Publication 502, and the categories that apply to TRT include:
Example: a $129/mo program
| Without HSA | With HSA (22% bracket) | |
|---|---|---|
| Annual TRT spend | $1,548 | $1,548 |
| Pre-tax contribution saving | — | ~$341 |
| Effective annual cost | $1,548 | $1,207 |
| Effective monthly cost | $129/mo | ~$100/mo |
This benefit requires no special enrollment beyond what your employer already offers. If your plan includes an HSA or FSA, TRT with a legitimate prescription may qualify under Publication 502. Confirm with your plan administrator.
HSA vs. FSA: Key differences for TRT budgeting
| HSA | FSA | |
|---|---|---|
| Eligibility | Must have a high-deductible health plan (HDHP) | Available with most employer health plans |
| Rollover | Funds roll over year to year indefinitely | Most plans require use-or-lose within the plan year |
| Contribution limit (2026) | $4,150 individual / $8,300 family | $3,200 individual |
| Control | You own the account | Employer-sponsored; access varies |
| Best for TRT | Long-term recurring costs | Annual TRT budget if your plan allows rollover grace period |
If you have both options available, an HSA is almost always the better vehicle for recurring monthly TRT costs because unused funds roll forward. You are not forced to time purchases before a year-end deadline.
Insurance and what's included, clinic by clinic
DudeMeds, Male Excel and Peter MD each say on their own site that insurance does not apply (quoted in the table below). Try Ageless says only that insurance isn't required, and Hone Health says it does not accept insurance. The distinction worth noting is whether their pricing is all-inclusive (one charge covers medication, labs, and consultation) or layered (membership plus a separate pharmacy bill).
| Clinic | Monthly cost | What the clinic says about insurance | Medication included? |
|---|---|---|---|
| DudeMeds | $77 | "does not accept insurance" | ✅ Cypionate + ancillaries |
| Male Excel | $99 + meds | "We do not accept insurance" | ✗ Billed separately. Cream from $132/mo |
| Peter MD | $99 | "not covered by health insurance" | ✅ Multi-modal options |
| Try Ageless | $129 | "No insurance required" | ✅ 4 delivery formats |
| Hone Health | $155 + meds | "does not accept insurance" | ✗ Itemised on top, from $28/mo |
Note on Hone Health: Hone's Premium plan at $155/mo is the membership. The tier that includes the physician consult. The intake lab is billed separately ($65 one-time); ongoing labs are included on Premium. Medication is itemised on top, from $28/mo for testosterone, so a realistic starting total is about $183/mo. Full Hone Health cost breakdown is in our Hone Health review.
Note on DudeMeds pricing: The $77/mo figure covers the televisit, prescription, medication and shipping, per DudeMeds' own page. Labs are a separate step. You upload your own or order them through DudeMeds.
What to do when insurance does not cover TRT
If you have confirmed that the answer to does insurance cover TRT is 'no' for your online clinic, or you are using a telemedicine service that operates outside your insurer's network, here is how to reduce out-of-pocket cost without compromising care quality.
1. Use HSA or FSA funds where they qualify. If you have an HSA or FSA balance and your plan administrator confirms the charges qualify, allocate it toward your monthly TRT charge and labs. This is the highest-leverage cost reduction available to most men.
2. Choose an all-inclusive pricing model. Plans that bundle medication, labs, and consultations eliminate the most common source of surprise costs. The pharmacy bill that arrives separately from the clinic's own charge. MangoRx ($149/mo, labs included) is the clearest example in our database. DudeMeds ($77/mo) bundles the medication but bills labs separately, and Male Excel's $99/mo membership bills the medication on top.
3. Ask about annual billing. Some clinics reduce the per-month rate when you commit annually. Confirm the exact billing structure and refund policy before selecting an annual plan.
4. Get your initial bloodwork done in-network first. If your primary care physician or an in-network lab can order your baseline testosterone panel, the cost may be partially covered. Bring those results to your online TRT intake. Most clinics accept recent lab work from external labs, which avoids paying for a duplicate test.
5. Check your insurer's out-of-network reimbursement. Some PPO plans reimburse a fixed percentage of out-of-network visits. If your plan has this feature, a telemedicine consultation fee may be partially reimbursable. Though prescription medications from a compounding pharmacy almost never are.
6. Appeal a prior authorization denial. If you pursued a brand-name testosterone product through an in-network physician and received a denial, you have the right to appeal. The grounds for appeal should include documented blood test results showing consistently low testosterone and a physician's letter of medical necessity.
How do the cheapest online TRT clinics compare on real monthly cost?
See our full ranked list at Cheapest Online TRT 2026. Here is the summary with the real all-in TRT cost per month:
| Rank | Clinic | Headline price | Real monthly cost (all-in) | Labs bundled? |
|---|---|---|---|---|
| 1 | DudeMeds | $77/mo | $77/mo | ✅ |
| 2 | Peter MD | $79/mo via our link · $99/mo public | $79/mo via our link; no signup charge published | ✅ |
| 3 | Try Ageless Complete | $129/mo | $129/mo | ✅ |
| 4 | Male Excel | $99/mo | ~$99/mo | ✅ |
| 5 | MangoRx | $149/mo | ~$120–130/mo effective | ❌ |
Affiliate disclosure: We earn commissions on DudeMeds, Peter MD, Try Ageless, Male Excel, and MangoRx if you enroll via our links. This does not affect our rankings — scores derive from clinical criteria only. See our methodology.
Is cheaper TRT actually worse?
No. Not at the $77–$129/mo price points above. The lowest-cost programs in 2026 offer:
- Licensed US physicians (not unsupervised nurse practitioners)
- Required bloodwork before and during treatment
- LegitScript certification or state pharmacy board verification
- Refund guarantees if you do not qualify (DudeMeds)
The genuine trade-offs at lower price points:
- Modality options: The cheapest clinics (DudeMeds) are injectable-only. Mid-range programs (Try Ageless at $129) add topical or oral options at no extra cost.
- Monitoring frequency: Programs over $150/mo often include 6-to-8-week check-ins versus quarterly monitoring at budget programs.
- Longevity add-ons: Peptide therapy, sermorelin, NAD+, or GLP-1 (available through Try Ageless) come at higher tiers.
Decision guide by real TRT cost per month:
- Under $100/mo, injectable okay → DudeMeds $77. Lowest starting price; labs are extra
- Under $100/mo, want modality options → Peter MD $79 annual. Gel, nasal, or injectable
- $129/mo, 4 modalities → Try Ageless Complete. Anastrozole, enclomiphene and follow-up labs included; bring your own baseline labs at that rate
- Needle-free cream, clinical depth → Male Excel, $99/mo membership + cream from $132/mo. 9.0/10 on clinical oversight
- Oral FDA-approved testosterone → MangoRx PRIME. Kyzatrex via MangoRx's pharmacy, ~$249/mo
Frequently asked questions about TRT cost per month
How much does TRT cost per month without insurance in 2026? Expect $77–$249/mo for a legitimate telehealth TRT program. The lowest starting price is DudeMeds at $77/mo (injectable; labs separate). Oral Kyzatrex runs $149–$249/mo. Most men spend $99–$149/mo.
What is the cheapest legitimate TRT per month? DudeMeds at $77/mo and Peter MD at $79/mo via our link ($99/mo on its public site) are the two lowest verified starting prices we track. Both include clinician oversight; both bill bloodwork separately. Full ranking: Cheapest Online TRT 2026.
Does TRT cost per month vary by state? Prices are set nationally by each telehealth clinic. However, some clinics do not operate in all states. Check availability before enrolling. Our state availability pages cover which clinics serve each state.
Does insurance cover the TRT cost per month? Rarely for telehealth membership fees. Some commercial plans cover injectable testosterone at pharmacy prices ($20–$60/mo) if you have a primary hypogonadism diagnosis. HSA and FSA funds can be used for qualified medical expenses under IRS Publication 502; whether the full program fee qualifies is your plan administrator's call.
Does TRT cost per month go down over time? Some clinics offer annual billing at 20–25% off the monthly rate (Peter MD: $79 vs $99/mo). Lab frequency may reduce from quarterly to twice-yearly once your levels are stable, lowering the effective total. Medication costs are generally fixed by the pharmacy.
What is TRT cost per month for oral Kyzatrex? Kyzatrex (FDA-approved oral testosterone undecanoate) costs roughly $149–$249/mo through telehealth programs. MangoRx PRIME runs ~$249/mo; Try Ageless Optimize ($209/mo) includes Kyzatrex with additional monitoring and HCG. See Oral Testosterone vs Injections for the full comparison.
How does TRT cost per month compare to in-person clinics? Traditional in-person urology or endocrinology clinics typically run $150–$350/mo for the program plus $100–$300 per office visit for follow-ups. Telehealth eliminates facility overhead and uses direct-to-patient mail-order pharmacy, which is why telehealth TRT is consistently cheaper.
Top picks by monthly budget
| Budget | Best pick | Why |
|---|---|---|
| Under $80/mo | DudeMeds | $77/mo for the televisit, prescription, medication and shipping. Labs separate |
| $79/mo via our link ($99 public) | Peter MD | Flat rate, blood work extra; injectable or oral enclomiphene |
| $129/mo | Try Ageless Complete | 4 delivery methods + enclomiphene + anastrozole + follow-up labs |
| Needle-free cream | Male Excel | Daily microdose cream, clinical 9.0/10, no needles |
| Oral FDA-approved | MangoRx PRIME | Kyzatrex via MangoRx pharmacy, ~$249/mo |
Related reading
- Cheapest Online TRT Clinics 2026. Full Ranked List
- DudeMeds Review: What the $77 Injectable Plan Covers
- Peter MD Review: From $99/mo Multi-Modal
- Try Ageless TRT Review: 4 Modalities at $129/mo
- Male Excel Review: Needle-Free Cream TRT
- Male Excel cost: what the $99 membership covers, in our Male Excel review
- Oral Testosterone vs Injections: Which Is Better?
- FDA Testosterone Label Change 2026: What It Means for Patients
Medical disclaimer: TRT requires a valid prescription from a licensed US clinician. This article is for informational purposes only and does not constitute medical advice. Prices verified June–July 2026; confirm current rates directly with each clinic before enrolling.
Affiliate disclosure: Some links on this page are affiliate links. We earn a commission if you enroll through them, with scores based on evidence and active partners listed first at equal displayed scores. See our methodology for how scores are calculated.
