Will My Insurance Cover Testosterone Therapy?

The short answer is NO. So, why do insurance companies not cover for comprehensive Testosterone Replacement Therapy, also known asTRT.First, when considering Testosterone Replacement Therapy, it is important to understand that the #1 priority of insurance companies is to make a profit, which means the patient is NOT the priority. As is typical with insurance companies, they have a very high tendency to process approvals for the least expensive medications at the lowest possible doses; and anything falling outside of those parameters, will not be covered. So, why would they ever do such a thing? Remember the “P” word we just mentioned? P-R-O-F-I-T! With Testosterone Therapy, insurance companies are notoriously greedy. Medication, doses, and follow-ups are all based on medically necessity and based on provider recommendations. Ehormones doctors are not encumbered by insurance guidelines for prescribing and dosing – which, in the opinion of our Chief Medical Advisor, Dr. Frank Welch, are entirely too low to notice tangible benefits. This allows the physician to treat the patient correctly.

There’s More to Testosterone Therapy than Testosterone Injections

When a man takes testosterone, inevitably he will create more estrogen, a hormone that is more dominant in females and known for its production of female characteristics. If one produces too much estrogen, which is a likely possibility anytime testosterone is taken, the effects can be devastating for a man. Excess breast tissue can develop, free testosterone can decrease, mood changes can occur, among a host of other negative consequences. These effects, however, can very easily be suppressed with the aromatase inhibitor (Arimidex or Anastrozole), which insurance will not allow.

So, if these are the effects of testosterone therapy without the ancillary medications, why is it that insurance companies will not allow the doctor to prescribe them?  Call us today to learn more about our affordable treatment options.

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