TRT costs $25–$129/month advertised, but true annual cost is $1,188–$1,548 with labs and fees. We break down what you'll actually pay at 8 top clinics.
You're quoted $99/month for TRT — but what will you actually pay?
You've seen the ads. Testosterone replacement therapy for $99 a month. Sounds straightforward. Then you hit checkout and see lab fees, startup costs, and "required" supplements. Suddenly that $99 becomes $150, $200, or more in month one.
If you're trying to figure out how much TRT costs per month without insurance, you need the real numbers — not just the marketing headline. This guide breaks down what eight major telehealth TRT clinics actually charge when you add up everything: medication, labs, consultations, and fees most providers bury in fine print.
Quick answer: Most telehealth TRT clinics advertise $99–$129/month, but true annual cost ranges from $1,188 to $1,548 depending on lab inclusion, startup fees, and required add-ons. The cheapest advertised price is rarely the cheapest total cost. See all TRT clinics ranked by true annual cost →
Why the headline price is never the full story
Telehealth TRT pricing works like budget airlines. The base ticket looks cheap until you add baggage, seat selection, and priority boarding. TRT clinics do the same thing.
Here's what most $99/month plans don't include upfront:
- Initial lab work: $150–$350 depending on the panel required
- Follow-up labs: $100–$250 every 3–6 months
- Startup fees: $35–$99 for first consultation or onboarding
- Required supplements: Some clinics mandate AI (aromatase inhibitors) or hCG at $30–$75/month
- Shipping: $10–$20 per delivery if not bundled
A clinic advertising $99/month might cost you $280 in month one, then $130/month ongoing if you need quarterly labs. That's $1,800+ annually — not the $1,188 you calculated from the headline price.
This is why comparing the true annual cost matters more than the monthly sticker price. We calculate this by adding first-year labs, fees, and mandatory add-ons to show what you'll actually spend.
TRT clinics compared: true annual cost
| Clinic | Monthly | Labs | True Annual | Best For | |--------|---------|------|-------------|----------| | Feel30 | $99/mo | Included | $1,188/yr | Simplest all-in pricing | | PeterMD | $99/mo | Included | $1,188/yr | Budget-focused, labs included | | Maximus | $100/mo | Included | $1,300/yr | Balance of cost and quality (9.4 score) | | Male Excel | $99/mo | Extra | $1,388/yr | Customization options | | Titan Medical | $99/mo | Extra | $1,417/yr | Highest service quality (9.5 score) | | TRT Nation | $99/mo | Extra | $1,446/yr | Comprehensive protocols | | Hone Health | $25/mo | Included | $1,488/yr | Lowest monthly if you have FSA/HSA | | Henry Meds | $129/mo | Included | $1,548/yr | Premium concierge experience |
See full ranked list with filters →
Feel30: detailed breakdown
Monthly cost: $99 | True annual: $1,188
Feel30 ties for the lowest true annual cost because labs are fully included with no startup fees or mandatory add-ons. You pay $99 every month — that's it. Their model bundles initial bloodwork, follow-up testing, medication, and physician consultations into one flat rate.
The tradeoff is less protocol customization. You'll get standard testosterone cypionate or enanthate injections. If you want compound formulations or additional peptides, you'll need to look elsewhere.
Best for: People who want predictable pricing and don't need advanced protocol options.
Pro: True all-inclusive pricing — no surprise charges
Con: Limited medication options compared to competitors (Score: 8.3/10)
Titan Medical: detailed breakdown
Monthly cost: $99 | True annual: $1,417
Titan Medical advertises the same $99/month as Feel30, but labs are separate. Initial workup runs about $200, and follow-ups every six months add $125 each. This brings first-year total to roughly $1,417.
What you get for that premium is the highest patient review score in our comparison at 9.5/10. Their concierge service includes same-day responses, detailed protocol adjustments, and optional telemedicine visits beyond the standard check-ins. Many patients report feeling more supported through dose optimization.
Titan also offers more delivery methods — injections, creams, and troches — so you're not locked into one administration style.
Best for: People who value hands-on clinical support and want delivery method flexibility.
Pro: Exceptional service quality and response times
Con: Labs not included pushes annual cost higher than flat-rate competitors
Maximus: detailed breakdown
Monthly cost: $100 | True annual: $1,300
Maximus sits in the middle on pricing but scores 9.4/10 on patient reviews — second only to Titan Medical. Labs are included, and their $100 monthly rate covers testosterone, consultations, and quarterly bloodwork with no additional fees.
Where Maximus stands out is protocol personalization within the all-inclusive model. You can adjust injection frequency, switch between cypionate and enanthate, and add ancillaries like hCG or anastrozole at transparent add-on rates (not mandatory).
Their patient portal is one of the most detailed, showing trend graphs for testosterone levels, estradiol, and symptom tracking over time.
Best for: People who want included labs, strong support, and data-driven protocol tracking.
Pro: Best balance of cost, service quality, and included labs
Con: $1/month more than lowest-cost options — negligible for most budgets
How to choose the right clinic for you
Picking the right TRT provider comes down to three factors: total budget, how you want to handle labs, and what level of support you need.
If your priority is lowest total cost: Choose Feel30 or PeterMD. Both hit $1,188 annually with labs included and no hidden fees. You sacrifice some customization and support responsiveness, but you'll spend $200–$300 less per year than mid-tier options.
If you want premium support and don't mind paying for labs separately: Titan Medical and TRT Nation offer the highest service quality scores. Expect to pay $1,400–$1,450 annually, but you'll get faster responses, more protocol flexibility, and better hand-holding through dose adjustments.
If you value data and protocol control: Maximus gives you detailed tracking, transparent add-on pricing, and included labs for $1,300/year. It's the sweet spot for people who want to stay involved in their treatment decisions without paying for concierge-level service.
If you have an FSA or HSA: Hone Health's $25/month base price becomes extremely attractive if you're reimbursing through a health savings account. Their true annual cost is $1,488, but tax advantages can bring effective cost below $1,200 depending on your bracket.
Not sure which fits your situation? Take our 2-minute quiz to find your exact match →
Our verdict
For most people starting TRT without insurance, Maximus offers the best overall value. You get included labs, strong support (9.4/10 score), and transparent pricing at $1,300 annually. It's $112 more per year than the cheapest option but delivers significantly better patient experience.
If budget is your only concern, Feel30 or PeterMD get you started for $1,188 with everything included. You'll have fewer protocol options, but the medication quality is identical.
If you've struggled with other providers or need more hands-on support, Titan Medical justifies its $1,417 annual cost with a 9.5/10 service score and concierge-level responsiveness.
Compare all pricing, lab inclusion, and verified patient scores side-by-side at our TRT comparison tool →
Frequently asked questions
What is the cheapest TRT clinic without insurance?
The cheapest true annual cost for TRT without insurance is $1,188/year through Feel30 or PeterMD. Both charge $99/month with labs, consultations, and medication fully included — no startup fees or mandatory add-ons. Hone Health advertises $25/month but totals $1,488 annually once you add required labs and fees. Always calculate annual cost, not just the monthly headline price, to find the real cheapest option.
Does the $99/month TRT price include blood work?
Not always. Feel30, PeterMD, Maximus, and Henry Meds include labs in their monthly price. Titan Medical, Male Excel, and TRT Nation charge $99/month but bill labs separately — typically $150–$350 for initial work and $100–$250 for follow-ups every 3–6 months. This difference adds $200–$350 to your first-year cost. Always confirm whether "included labs" means initial bloodwork only or ongoing monitoring too.
How much do TRT injections cost per month without insurance?
Testosterone cypionate or enanthate injections cost $99–$129/month through most telehealth clinics when you look at just the medication and consultation fee. But true monthly cost ranges from $99 (Feel30, all-in) to $130–$150 (clinics that bill labs separately) depending on your testing schedule. The medication itself costs $30–$60 if you use a local compounding pharmacy with a prescription, but you'll still need physician monitoring and labs, which telehealth bundles.
Is paying cash for TRT cheaper than using insurance?
Often yes. Insurance-covered TRT through a urologist typically requires copays ($30–$75 per visit), separate lab copays ($50–$150), and prior authorization delays. Total out-of-pocket can hit $1,500–$2,500 annually even with coverage. Cash-pay telehealth at $1,188–$1,548/year is often cheaper, faster to start, and includes everything. The exception: if you have an HSA/FSA, using it for telehealth TRT makes the effective cost lower than the sticker price due to tax savings.
