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What Does TRT Actually Cost Without Insurance?

Most clinics will not tell you until you book a consultation. Here are our numbers, what is included, and the costs people usually do not find out about until later.

The short answer. At Navara, $199 a month, or $549 for a 90-day prepay. That includes the medication, your baseline panel, a repeat panel at six months, quarterly follow-up and dose adjustments. There is no separate lab bill and no charge to have your results explained.

What is the monthly cost?

Price What it includes
Men's TRT membership $199 a month Medication, quarterly follow-up, baseline panel, repeat panel at 6 months, dose adjustments
90-day prepay $549 The same, saving $48
Enclomiphene programme $159 a month Medication at any dose, baseline panel, repeat at 6 months. Preserves fertility
Men's First Month $349 one time Full baseline panel, evaluation and first month of testosterone
Men transferring in $199 one time For men already on treatment bringing recent labs

What do other clinics charge, and what is not included?

Published prices in the Dallas market generally run $150 to $250 a month. The number itself is not usually the problem. What is left out of it is.

  • Lab fees billed separately. A baseline panel is commonly $200 to $400 on top, twice a year. That is the biggest hidden cost and the most common one.
  • Consultation fees per visit, often $75 to $150 each, on top of the membership.
  • Charges to review your own results, which we think is indefensible.
  • Dose adjustment fees. Some clinics charge to change your protocol, which quietly discourages the adjustments you actually need.

Add those up and a $150 a month clinic is frequently $250 to $300 a month in practice. Our $199 includes all of it, which is why we publish it.

Why is enclomiphene cheaper?

It is an oral capsule rather than an injection, and it works differently. Rather than replacing testosterone, it blocks estrogen feedback at the pituitary so your body produces more of its own.

Two practical consequences. Fertility is generally preserved, which testosterone does not do. And because it is not a controlled substance, it can be started entirely by virtual visit in all eleven states we are licensed in, with no in-person requirement.

It does not work for everyone. If your FSH and LH are already elevated at baseline, the mechanism cannot work and we will tell you that before you pay for anything.

What is the in-person requirement?

Testosterone is a Schedule III controlled substance. Starting it requires an in-person evaluation in the clinic, and an in-person visit annually after that. Monitoring visits and refills in between can be virtual.

Any service offering to start you on testosterone entirely online is not following that rule. It is worth knowing before you hand over a card.

What does the monitoring actually involve?

A baseline panel before starting, a monitoring panel at six months, and a full re-baseline at twelve months. Both panels are included.

  • Hematocrit every time. Testosterone raises red cell mass, and erythrocytosis is the one side effect that genuinely hurts people. It is checked at every draw.
  • PSA for men over 40 whose baseline PSA was above 0.6, following Endocrine Society guidance. Not every man needs it, and we do not charge for tests you do not need.
  • Estradiol, because testosterone converts to it and the symptoms of too much are the symptoms people blame on the dose being too low.
  • Testosterone measured by mass spectrometry, not immunoassay, at trough on the morning of your next injection.

What Men Ask Before Starting

Is $199 a month really everything? ▾

Medication, quarterly follow-up, your baseline panel, your six-month panel and dose adjustments, yes. Additional tests ordered outside the panel are separate and priced on the site. Nothing is billed to you without being quoted first.

Does insurance ever cover TRT? ▾

Sometimes, with documented low testosterone on two morning draws and symptoms. We are cash-pay and do not bill insurance, so if you have good coverage it is worth trying that route first. We will tell you that rather than talk you out of it.

Will TRT make me infertile? ▾

It suppresses sperm production in most men, and that can persist after stopping. If fertility matters now or might later, enclomiphene is the option to discuss, and it is cheaper.

What if my levels are normal? ▾

Then we do not prescribe testosterone, and we look for what else is causing the symptoms. Low testosterone symptoms overlap heavily with thyroid disease, sleep apnea, iron deficiency and depression. Prescribing testosterone to a man whose real problem is untreated sleep apnea does not help him.

How soon will I feel different? ▾

Energy and mood often shift within two to four weeks. Body composition takes three to six months. Libido varies widely. Anyone promising a specific timeline is guessing.

Can I do the whole thing virtually? ▾

Not for testosterone. Starting requires an in-person visit in Texas because it is a controlled substance, and an in-person visit annually. Enclomiphene can be done entirely virtually in all eleven licensed states.

Know the Number Before You Book.

$199 a month, everything included, published in advance. Start with the free three-minute assessment if you are not ready to book.

Book a Consultation (469) 653-3124

Related

Keep Going

Free Hormone Assessment Three minutes, no cost, scored on your device. Read more › Men's Hormone Therapy How the programme works month to month. Read more › Enclomiphene, $159 a month The fertility-preserving alternative. Read more › Men's Comprehensive Evaluation, $349 If you want the numbers before committing. Read more ›

Written and clinically reviewed by Jessica Boggs, MSN, APRN, FNP-C, ENP-C, founder of Navara Health. Medical oversight by Simal Patel, MD.

Last reviewed September 6, 2026. This page is general information, not medical advice, and does not create a provider relationship.

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