Testosterone Therapy Cost & Coverage Planner
Blend pharmacy pricing, clinic memberships, insurer reimbursement rates, lab cadence, and any HSA or FSA reimbursements to reveal your true monthly testosterone replacement therapy spend.
Educational information, not medical advice.
Examples
- $210.00 medication, $150.00 clinic fee, 40.00% insurance coverage, $120.00 quarterly labs, no HSA offset ⇒ Result: $316.00 per month
- $275.00 medication, $99.00 clinic fee, 0.00% insurance coverage, $180.00 quarterly labs, $50.00 HSA offset ⇒ Result: $384.00 per month
FAQ
How should I account for syringes, supplies, or ancillaries?
Add their monthly spend to the clinic fee or roll it into the medication amount so every recurring line item is represented in the forecast.
Can I model partial insurance reimbursement?
Yes. Enter the precise percentage your insurer covers after deductibles and prior authorizations so only the uncovered share hits your wallet.
How often should I revisit lab assumptions?
Refresh the quarterly lab figure whenever your provider changes testing cadence or negotiated pricing so the outlook matches your upcoming draws.
Does the result include taxes?
Sales tax, shipping, or pharmacy fees can be added to the medication line so the output reflects jurisdiction-specific surcharges.
Additional Information
- Insurance reimbursement is applied only to the medication line, so your out-of-pocket cost equals the residual balance after coverage.
- Quarterly lab budgets are automatically divided by three to convert them into an equivalent monthly expense.
- HSA or FSA offsets lower the final spend but the result never drops below $0.00 even if offsets exceed costs.
- Adjust the clinic fee to compare bundled in-person care with telehealth subscriptions or cash-pay clinics side by side.