Defy Medical TRT Reviews: What 4,100+ Ratings Don't Tell You

Defy Medical TRT reviews justify a closer look, not a decision based on stars. Its pay-per-service model may suit cash-pay patients who do not want a subscription. The initial lab panel costs $299—not the full bill. Start elsewhere if insurance billing or fertility-focused care is your priority, and get an itemized quote before paying.

By TRT Provider Guide · Last verified: September 2026 · Sources checked September 15, 2026

What should you know about Defy Medical at a glance?

Defy describes a cash-pay clinic with telemedicine care, a Tampa office, and Medical Director Dr. Justin Saya. It advertises extended one-hour provider consultations and no subscriptions or contracts; that does not guarantee a physician appointment, clinical suitability, or availability in your state. Defy Get Started; TRT service page.

What the review numbers actually look like

Trustpilot profile · BBB business profile · BBB customer reviews · Defy review-widget disclosure.

Defy Medical may fit you if: you'd rather pay for each service than carry a monthly membership, want to discuss its advertised extended consultation, and can budget for an evaluation that may not lead to a prescription. Defy service description; payment and clinical-necessity terms.

Start somewhere else if: you need insurance billing, cannot afford a completed evaluation without a prescription, or need fertility or complex-condition assessment before choosing a TRT clinic. Do not pay without a written quote. Defy terms; clinical guidance.

Independent research. We have no affiliate relationship with Defy Medical, and the Defy links on this page are ordinary links that earn us nothing. TRT Provider Guide has commercial relationships with Male Excel and Taurus Meds, discussed later. This page uses ordinary source links and internal guides, not compensated referral links. Read our affiliate disclosure.

Educational information, not medical advice. This page does not diagnose low testosterone, decide whether you qualify for treatment, or replace a clinician. If you're having a medical emergency, call 911 or go to an emergency room.

The answer changes if you live in New York, New Jersey, Pennsylvania, Rhode Island or Massachusetts: Defy's on-demand lab storefront excludes these states. That is not proof that every form of clinician-ordered testing or Defy treatment is unavailable there. Confirm your testing and treatment arrangements separately. On-demand laboratory restriction.

We read the terms of service, the lab storefront, the pharmacy contact page, and the review platform's disclosures. We found a lab bill you can calculate to the dollar, three named compounding pharmacies, and a sentence in the patient agreement that deserves more attention than a star rating. We also found a mismatch between the listed free-testosterone test method and specialty guidance. The evidence is below.

Let's go through it.

Checked September 15, 2026. Ratings and counts can change; these are a dated snapshot, not a TRT-only outcome measure.

TRT Provider Guide is the independent decision resource for testosterone replacement therapy — helping U.S. adults understand how low testosterone is evaluated, compare online and local care models and providers, and choose the next step that fits their health needs, fertility plans, budget, state, and care preferences, with every material claim verified and dated.

What we actually verified: public prices, listed test codes, written policies, named pharmacy contacts and review-platform information. We did not become patients, test support, inspect private checkout, or verify the care any individual receives. This is public-source editorial research, not a hands-on or clinician-reviewed assessment.

The right TRT provider is not the same for every person — it depends on whether low testosterone has been properly evaluated, your symptoms and health history, your fertility plans, your state, your insurance or cash-pay preference, your treatment-format preference, your budget, and whether online or in-person care is the better starting point. Some situations belong with primary care, urology, endocrinology, reproductive urology, or urgent or emergency care when the symptoms warrant it. Because a general answer cannot resolve those for you, use TRT Provider Guide's Find My TRT Path tool to map your situation to the right care route and the questions to ask before you pay.

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What do Defy Medical TRT reviews actually say?

Defy Medical holds 4.8 out of 5 on Trustpilot, with 95% of reviews at five stars and 1% at one star. Positive examples praise individual clinicians for listening and explaining, while critical reports include scheduling, medication delays and communication concerns. These are customer-experience signals across Defy's services, not proof of medical quality or typical TRT results. Trustpilot profile and review summary.

A useful theme in the positive examples is being taken seriously. That matters when you felt brushed off elsewhere. It still does not tell you whether a diagnosis or treatment plan is right.

Warren Pattison wrote in August 2026: "My past TRT provider didn't seem interested or provide relevant context to me as an individual." A September review under FIGUEROA, LINDSAY said: "She was able to answer questions no one else had been able to answer." A third reviewer, listed as customer in Defy’s selected-review widget, described a September 2, 2026 visit that had been rescheduled, where the clinician "called and didn’t miss a beat." Attributed clinic-displayed review. These excerpts describe communication, not verified treatment outcomes. The broader profile includes different services and patient populations. Warren Pattison review; FIGUEROA, LINDSAY review.

That's a reason to ask about the consultation—not a reason to assume every appointment will be an hour with a physician. Defy advertises extended one-hour visits with its providers. Ask who you will see, their credentials, the booked length and whether follow-up visits use the same format. Defy consultation description.

Trustpilot's own current summary of the negative feedback names three things: scheduling times, unexpected delays in receiving medications, and communication gaps about lab results or additional treatment plans. Treat that summary as a starting point for questions, not a measured complaint rate or proof that every report is accurate. Trustpilot review summary.

What the review score cannot settle

Price. Pharmacy. What happened to the men who weren't approved.

Defy invites customers to review, and Trustpilot marks invited submissions. That label does not establish exactly when an invitation was sent, how long someone has been a patient, or whether they have experienced the full billing and refill process. We did not establish an invitation schedule. Trustpilot profile disclosures.

So the 4.8 is useful customer feedback, but it is not a verified first-year budget, pharmacy audit, or approval rate. Some reviews do discuss the back office. The written terms and your itemized quote are what settle the payment questions.

Are the 4.8-star reviews trustworthy?

Use the reviews as attributable feedback, not as a guarantee. Trustpilot labels Defy as a company that asks customers to review "whether positive or negative," and its profile shows 355 reviews in the last 12 months plus a merged-profile notice. Neither an invitation nor a paid business subscription proves that a review is false—or that every review has been independently authenticated. Trustpilot disclosures.

Three things worth knowing, all visible on Trustpilot's own page if you go looking:

The lifetime total isn't a current performance number. More than 4,100 reviews sounds enormous. Trustpilot notes that this profile was combined with one or more other listings for the same company. The recent-volume figure is 355 reviews in 12 months, not 4,100. That still is not a representative survey of all current patients. Profile volume and merger disclosure.

Defy pays for a Trustpilot subscription and claimed the profile in April 2022. Those facts are disclosed on the platform. They do not establish paid testimonials or the timing of review invitations. Business-profile disclosures.

Defy's own site shows only its recent 4- and 5-star reviews, and says so on the page. That's selected marketing feedback, not the full range of customer experiences. Go to the source. Defy testimonial disclosure.

One more thing, and it's the kind of detail that makes reading the full review worthwhile. In September 2026, Ricardo HENRIQUEZ wrote: "After consulting no prescriptions filled." The rest of the review describes an established patient waiting more than a week for medication orders to reach the pharmacy. That is a reported processing delay, not evidence that Defy refused to prescribe after an evaluation. It is one person's account, not an independently confirmed service failure or a typical turnaround time. Ricardo HENRIQUEZ review.

What does Defy Medical's BBB file say?

The Better Business Bureau rates Defy Medical LLC a C and lists it as not accredited, citing three complaints in its three-year window and a failure to respond to one of them. Two customer reviews there average one star, but one describes employment rather than patient care. Those are business-experience records, not a medical-quality grade. BBB profile; customer reviews.

Let's be fair about this, because a 4.8-star customer score and a C business rating answer different questions. Neither cancels out the other.

The unanswered complaint matters. BBB's own listed reasons are "failure to respond to 1 complaint" and "3 complaints filed." There is no verified patient denominator here, so three complaints cannot be called a low complaint rate. Nor does the profile establish that non-response is the only reason for the grade. BBB rating reasons.

BBB accreditation is not medical licensure. Being accredited would not establish clinical competence, and not being accredited does not by itself establish unlawful practice. The clinician assigned to you still needs the authority required for care where you are located. BBB accreditation status; HHS state-licensure guidance.

One of the two reviews isn't from a patient. The 1-star review dated May 17, 2026 describes a workplace experience during the writer's employment. It may be worth reading if you care about how a company treats staff. It is not a patient review and shouldn't be counted as one. BBB employment-related review.

The other one raises a payment concern. Benjamin W wrote in July 2024: "Out of a $275 consultation fee, staff was unwilling to help??" We can't verify what happened. That is a historical customer-reported fee, not a current Defy quote or proof that a prescription was refused. The written refund rule matters more for your own purchase. July 2024 BBB review; current refund terms.

Check accreditation at the source. BBB's own profile, checked September 15, 2026, says Defy Medical is not accredited and rates it C. A different claim on a review page should not override that record. Current BBB profile.

How much does Defy Medical TRT actually cost?

Defy's current public lab prices are $299 for its initial men's panel and $275 for its follow-up panel. We did not verify a current itemized consultation-and-medication quote or a complete first-year total. A monthly average is not enough to tell you what your own evaluation, prescription, monitoring and shipping will cost. Initial panel; follow-up panel.

A confident fee table is only useful when its prices, inclusions and billing periods can be checked. We will not turn a monthly estimate or an old patient report into a current price guarantee.

Here's what's actually verifiable.

What is priced publicly—and what still needs a quote?

Here is the distinction that matters before you pay:

Initial lab price · follow-up lab price · billing-model statement · payment and continuing-care terms.

Do not choose the cheaper number just because it appears on a page about TRT. Ask which price applies to the plan being proposed to you and what it includes. If the clinic cannot give you the required charges before payment, you do not yet have a usable budget.

If a clinician proposes hCG, an estrogen-control medication, thyroid treatment, supplements or another service, ask for a separate indication and price. Do not assume an add-on belongs in every TRT plan or is included in an advertised testosterone price. Defy's terms allow prices to vary with the services and medications purchased. Pricing and treatment terms.

An unknown charge is not a zero-dollar charge. Keep missing prices open in the worksheet below instead of filling them with estimates from someone else's treatment.

The lab bill, to the dollar

This part you can check right now, and it's the single most useful number on this page.

Defy sells its lab panels through its own storefronts. The initial men's panel runs $299 and the follow-up panel runs $275. The current listings identify Labcorp testing; the follow-up listing describes compatibility with Defy's TRT care, not a universal order for every patient. Initial panel; follow-up panel.

Here's what's inside them, priced against Defy's own individual test prices:

Catalog checked September 15, 2026; test names and codes were matched across the panel and individual listings. Initial panel · follow-up panel · DHEA-S, estradiol and LH prices · PSA and SHBG prices · testosterone and TSH prices · CBC price · CMP price · lipid price · IGF-1 price.

A few plain-English definitions, since these show up on TRT lab slips: total testosterone is all the testosterone measured in your blood. Free testosterone is the fraction not bound to proteins; testosterone loosely bound to albumin can also be available to tissues. SHBG is a protein that binds testosterone tightly. LH (luteinizing hormone) is a signal from the pituitary gland that helps the testicles make testosterone. Which tests you need, and how to interpret them, depends on your clinical situation. Endocrine Society guideline, diagnostic testing.

Two things fall out of this table.

The follow-up panel is the initial panel minus one test. The only listed difference is LH, which sells separately for $20. Defy charges $24 less for the follow-up. That describes the catalog's price structure; it does not establish which panel your clinician will require. Initial components; follow-up components; LH listing.

Nine of the components add up to $260 à la carte, against a $299 bundle. But the other two are not missing from the store: the lipid panel is $20 and IGF-1 is $36. All eleven total $316, so the initial bundle is $17 less than buying its listed parts separately. The ten follow-up components total $296, making that bundle $21 less. These calculations use the matching test codes above, not substitute tests. Separate lipid listing; separate IGF-1 listing.

Two warnings before you order. Defy's on-demand lab service explicitly does not include provider review of results — ordering labs à la carte gets you numbers, not interpretation. And what you actually need monitored is a clinical decision, not a shopping decision. Bring this list to your consultation and ask what your protocol requires. Don't self-select your own bloodwork. The free-testosterone assay also needs a specific check; see the diagnostic-method section below. On-demand testing information.

So what's the real first-year number?

Verified arithmetic, not a verified full year: $574. That's $299 for the initial panel plus $275 for one follow-up panel. It does not establish that one follow-up covers your first year, or that a second diagnostic testosterone measurement is included. Defy's terms generally call for six-month consultations and necessary labs, or the schedule documented in your treatment plan. Initial panel; follow-up panel; Patient Compliance terms.

Two $275 follow-up panels cost $550. That is a lab-only scenario, not a guaranteed later-year cost. An initial $299 panel plus two $275 follow-up panels would be $849. Extra diagnostic testing, a different panel or closer monitoring changes those figures.

We did not establish current initial consultation, follow-up consultation, prescription, shipping or complete annual charges from the public pages checked. That does not mean you must become a paying patient to learn them. Ask the Patient Advocate for a written quote before authorizing a charge. Defy contact process.

Build your own Defy quote without guessing

Use the clinic's written answers to fill these lines in your own notes. Keep the amount due before a prescription decision separate from the estimated cost if care continues.

For example, $849 in laboratory charges plus unknown consultation and medication charges is an $849 lab subtotal—not an $849 year of TRT. This worksheet checks your quote; it does not recommend treatment or a testing schedule.

We can verify the lab arithmetic. We cannot validate a complete Defy annual price from it. A plausible remainder after subtracting labs from an advertised average is not evidence of what consultations or medication actually cost.

The costs nobody puts in the monthly average

• A physical examination form. Defy's terms generally require a valid signed form at least every 24 months, or as documented in the treatment plan. Confirm what is needed at intake, who can perform it, and the charge.
• Late cancellations. Cancel a telemedicine or in-office appointment with less than 24 hours' notice, or no-show, and the full consultation fee can apply.
• Unused lab-order cancellation. The main-site terms describe account credit minus $25 before a specimen is submitted, with possible original-payment refunds under stated conditions. TestDefy's separate FAQ describes refunds for unused tests within 90 days. Ask which policy applies to your order.
• Administrative services, supplies and shipping. Ask for itemized charges, including any invoice, travel-document or medical-record service you need. Do not assume they are included because they are absent from a monthly average.

Physical-exam, cancellation and refund terms; TestDefy unused-test FAQ.

→ Before you authorize a charge, get the consultation fee and the missing cost lines in writing. Use our 12-question Defy quote checklist before your intake conversation so you leave with a usable budget instead of an estimate.

What do Defy Medical's Terms of Service commit you to?

Defy's terms, effective April 2, 2026, deny consultation refunds solely because a prescription was not given and set separate rules for unused laboratory orders. They generally call for consultations and necessary labs every six months and a signed physical examination form every 24 months, or the schedule documented in your treatment plan. These conditions matter even though Defy advertises no subscription. Defy Terms of Service.

Here are the twelve things in the terms that change a buying decision. These are the clinic's written conditions, not a legal opinion about whether every clause would be enforceable in your circumstances.

Source: Defy Terms of Service, payment, consent and Patient Compliance sections.

Also in there, worth a line each: the terms include binding individual arbitration in Hillsborough County, Florida, a class-action waiver and stated exceptions; they seek to cap liability at $100 per calendar year, subject to applicable law. They also include consent to recorded communications and automated transcription, with a request for alternative arrangements possible before a communication if available. In-home blood draws use independent third-party providers with their own cancellation and no-show rules. Read those conditions before accepting; their presence is not proof that every limitation is legally enforceable. Disputes, liability, recording and third-party blood-draw provisions.

One more wrinkle. Defy's patient store carries a separate insurance statement saying the clinic provides claim assistance by completing a standard CMS-1500 form for you to submit. The current main-site terms describe a superbill with CPT and ICD-10 codes on request. Both are ways to try for out-of-network reimbursement. Neither is a guarantee. Ask which one applies to you, and save whichever document is attached to your actual purchase. Ask Defy to resolve any difference before payment; this guide does not decide which agreement legally controls your purchase. Patient-store insurance statement; Current main-site insurance terms.

the sales channel can change the refund wording you see. The main-site terms describe unused-lab account credit minus $25 and conditional refunds, while TestDefy's on-demand FAQ describes a refund for an unused test within 90 days. Do not assume those are interchangeable offers. Ask which terms apply to the specific order, and save the answer and purchase agreement. Main-site terms; TestDefy FAQ.

The one thing that should make you stop and think

Defy does not refund a completed consultation solely because the clinician decides you do not need testosterone. Completed lab work is not refundable because of its results either. If paying for an evaluation without getting a prescription would genuinely hurt, do not commit on the strength of a review score—compare the care routes below first. Unused lab orders have separate cancellation rules. Outcome-based refund exclusions.

If seeing prices up front is your priority, compare the alternatives below before paying. Male Excel publishes starting components, but its public pricing paths differ and shipping is extra. It is not an automatic cheaper or refundable substitute for Defy. Insurance-based primary care or urology may better fit an insurance-first budget. Male Excel current price page; separate pricing page.

But understand what you're paying for. You're paying for a medical opinion. A real medical opinion has to be able to come back "no." That can still be a worthwhile evaluation, but Defy's refund policy does not by itself prove more careful medicine, and a competing clinic's refund policy would not prove careless prescribing. Defy advertises individualized care and multiple treatment formats; the clinical reason for any proposed treatment still needs to stand on its own. Defy service description; diagnostic guidance.

One condition also matters for ongoing access: Defy's physical-examination form is a clinic requirement, not proof that a future federal in-person prescribing rule has already been met. A physical performed by another clinician cannot simply be assumed to satisfy every requirement for the eventual prescriber. More on that below. Defy physical-exam requirement; DEA telemedicine requirements.

→ If pay-per-service care and an extended consultation fit what you're looking for, ask Defy about costs and next steps — and go in knowing the refund rule. (Ordinary link. We earn nothing from Defy. The destination is a contact form for Patient Advocate follow-up—not an instant eligibility check, booked medical visit or prescription guarantee.)

What happens if Defy won't prescribe you testosterone?

A decision not to prescribe does not trigger a refund for the completed evaluation. Defy's terms state that appointments and consultations are not eligible for credit or refund solely because a prescription wasn't given, and that agreeing to lab work and a physical exam does not automatically equate to clinical necessity. Ask for your results and consultation record rather than assuming they will all arrive automatically. Consultation and lab refund terms.

Nobody enjoys reading this, so let's make it useful instead of scary.

The evaluation can still have value. Your ordered lab results and the clinician's explanation can help with a later discussion. Ask for copies of the reports, visit notes, proposed plan and any referral advice. Another clinician may need different or repeated testing, so do not count on avoiding another visit or saving a fixed amount. We did not verify Defy's complete record-transfer turnaround or fee schedule.

Possible insurance reimbursement is separate from a clinic refund. Ask for the superbill with CPT and ICD-10 codes and submit it to your insurer for possible out-of-network reimbursement. No guarantee — but you can't get reimbursed for a document you never requested. Whether visits, labs or medication are covered depends on the plan; we did not establish which charge is most likely to be reimbursed. Defy insurance statement.

Sort out proper testing first. One afternoon result, one borderline value or symptoms alone do not establish testosterone deficiency. Ask a clinician about repeat early-morning testing, other possible causes and whether specialist evaluation is needed. Our guide to TRT blood tests walks through what a real evaluation looks like. Endocrine Society diagnostic guidance.

Who handles your questions, monitoring and refills?

Defy advertises extended provider consultations and a patient portal for prescription ordering. Its terms require a practitioner to approve refills and may require current labs, a physical-exam form or another visit before approval. We did not verify a guaranteed response time, refill turnaround or the assigned clinician for a future patient. Defy care description; refill conditions.

Know who you are booking

Ask for the clinician's full name, professional designation, appointment length and authority to treat you in your state. An advertised medical director is not a promise that the director will personally see you, and “provider” does not mean every appointment is with a physician. Check the named clinician with the relevant state licensing board before assuming that a national website settles local authority. HHS cross-state licensing guidance.

Separate medical approval from shipping

Ask how early a refill request should be submitted, when required lab work must be complete, who reviews it and how to escalate a delay. A clinician approving an order, a pharmacy filling it and a carrier delivering it are different steps. Defy's terms make refill approval conditional on the treatment plan and required follow-up; they do not give you a guaranteed delivery date. Refill and pharmacy terms.

Ask whether between-visit medical questions, urgent callbacks, extra lab review and transfer of care carry separate charges. Do not wait until medication runs out to find out what documentation is missing, and do not change treatment yourself to manage a delay. Bring continuity concerns to the prescriber.

Make records part of the exit plan

Before paying, ask how to request complete lab reports, visit notes, the medication list and a transfer to another clinician. Ask about the request method, identity check, fees and timing. HHS explains access rights for records held by HIPAA-covered providers, but that general rule does not verify Defy's exact portal features or record-delivery process. HHS medical-record access information.

Does Defy Medical work in your state?

Defy offers telemedicine, but this check did not establish a complete, current state-by-state treatment list. Its on-demand lab ordering is specifically unavailable in New York, New Jersey, Pennsylvania, Rhode Island and Massachusetts. Confirm the clinical visit, accepted bloodwork and dispensing arrangement for your location before paying. Defy contact and care process; on-demand laboratory restriction.

That is Defy's published on-demand testing restriction. It should not be rewritten as a blanket legal ban on every kind of laboratory order in those states.

Important nuance most pages miss: a lab restriction is not automatically a treatment restriction. If you're in one of those five states, it doesn't mean Defy can't treat you. It means you may need to get bloodwork ordered a different way. Ask. Scope of the storefront restriction.

Two more checks before you pay:

Get state availability confirmed for your actual appointment. Tell Defy where you will physically be during the visit, including travel, and ask who can treat you there. State licensing rules apply to the patient's location and may involve a license, registration or another permitted pathway. A general telemedicine offer does not establish access everywhere. HHS cross-state licensing guidance.

If you're outside Florida, ask where your prescription goes. Defy's terms state it does not send controlled-substance prescriptions to retail pharmacies across state lines. That is a material clinic policy, not a statement that federal law bans every interstate prescription. Confirm mail-order options, the exact dispensing facility, shipping limits and whether a retail prescription is possible in your case. It is a genuine issue if you travel constantly or want to price-shop locally. Pharmacy and prescription policy.

Which pharmacy does Defy Medical use?

Defy names three approved compounding pharmacies on its patient-facing pharmacy contact page: APS Pharmacy in Palm Harbor, Florida; Empower Pharmacy in Houston, Texas; and Hallandale Pharmacy in Fort Lauderdale, Florida. That verifies a published directory, not which pharmacy will fill your prescription or that every facility is authorized to ship every product to every state. Ask for the exact dispensing facility and product before payment. Defy pharmacy contact directory.

This is one of the more useful things on this page: you do not have to accept “a partner pharmacy” as the whole answer.

The directory names the pharmacies and provides contact details. It does not assign one to a prospective patient or independently establish the clinic's quality claims. Published pharmacy contacts.

Defy's pharmacy contact page lists three approved compounding pharmacies by name, with full addresses, phone and fax numbers, and tells patients to contact the dispensing pharmacy directly with any questions about their products or specifications. Defy pharmacy contact page.

Provider-stated directory checked September 15, 2026. We did not verify a future patient's pharmacy assignment or audit these pharmacies' manufacturing practices. Directory source.

So some transparency exists. Now you know to ask on the first call. A directory is the start of the check, not the end of it.

FDA-approved versus compounded — keep them separate

This distinction matters more than almost anything else on the page, so here it is in plain language.

An FDA-approved medication is a finished drug product the Food and Drug Administration has reviewed for safety, effectiveness and quality for its approved use. A compounded preparation is made by combining or altering ingredients to meet particular needs. Compounded preparations are not FDA-approved; FDA does not review them for safety, effectiveness and quality before marketing. Do not assume a compounded preparation is an approved generic, equivalent, safer or more natural. Compounding can meet a medical need that an approved product cannot, but it is a different regulatory category and you should know which one you're getting. FDA compounding questions and answers.

Defy's terms say its pharmacies use "FDA-approved active ingredients." That is not the same as an FDA-approved finished drug. A claim about an ingredient does not establish approval of the compounded preparation, its concentration or its manufacturing process. Defy pharmacy statement; FDA explanation.

Ask exactly this on your intake call: "Which facility will fill my prescription, is it licensed to serve my state, and is the medication you're proposing an FDA-approved product or a compounded preparation?"

It's a fair question and a good clinic will answer it without flinching.

What Defy actually offers

Defy's TRT page lists injectable testosterone, topical testosterone, testosterone pellets, testosterone nasal gel and supplemental medications. Those are advertised treatment options, not proof that each is available to every patient or through telemedicine alone; a pellet procedure, for example, requires in-person placement. Ask for the exact product, where treatment happens and whether it is FDA-approved or compounded. Defy treatment-format menu.

The patient portal also advertises HCG Support. That verifies a published offer, not the exact hCG product, pharmacy, price or availability for your state. Ask for those details before treating it as part of your plan. Defy patient-portal HCG Support offer.

That menu is a reason to discuss options if a particular treatment format does not suit you. It is not evidence that Defy has the widest range in the market or that cheaper providers cannot offer alternatives. Extra hormones and medicines are not automatically better care. Each needs its own clinical reason, risk discussion and cost.

One honest note on the upsell question: Defy does sell nutritional supplements alongside treatment. Ask which proposed purchases are optional and which are medically indicated, and request the price of each. We did not verify a rule that requires every patient to buy supplements, or a universal promise that every quoted add-on can be removed. Patient-portal product description.

Do not treat marketing as a results guarantee. The patient portal says treatment is “guaranteed to produce the results you’re looking for,” while the main-site terms disclaim a promise of particular results. The service page also says results vary. That inconsistency is a reason to ask for a realistic clinical goal, not to assume a medical outcome or refund right. Patient-portal wording; Results disclaimer; Service-page disclaimer.

Does Defy Medical take insurance, HSA or FSA?

Defy does not accept insurance, but that does not settle whether you can use HSA or FSA funds. Its terms offer a superbill or coded receipt on request for possible out-of-network reimbursement, without a coverage guarantee. Confirm benefit-account eligibility and payment handling separately for each expense. Defy insurance terms; TestDefy HSA/FSA FAQ.

Short section, three practical points:

Ask for the superbill. It's an itemized receipt with medical codes for an insurance submission. Ask for it from day one, not after you've spent $2,000. Then ask your insurer about network status, diagnosis requirements and coverage for the specific service; no source checked establishes that labs will be the most reimbursable line. Superbill and coverage statement.

Check HSA and FSA use by expense. TestDefy's FAQ directs buyers to confirm eligibility with their plan. That does not establish that every clinic membership, supplement, service or bundled charge is eligible, or that every Defy checkout accepts the same payment method. Confirm with your plan administrator and the seller before relying on it. HSA/FSA information.

If insurance coverage is your actual priority, a cash-pay clinic is the wrong starting point. Start with primary care or a urologist who can bill your plan. See our guide to online versus local TRT care for how that comparison usually shakes out.

How is low testosterone actually diagnosed — and what is Defy asking you to agree to?

Low testosterone is not diagnosed from symptoms or a single blood test. The Endocrine Society guideline requires compatible symptoms or signs plus consistently low, accurately measured testosterone, confirmed with repeat early-morning fasting testing; free testosterone is added when indicated, not automatically required in every case. A number such as 300 ng/dL is not a diagnosis by itself. Endocrine Society diagnostic recommendations; full clinical guideline.

Now here is a fact that can change how you read a hormone panel.

The Endocrine Society warns that non-standardized lab assays can give different interpretations of the same sample, contributing to over-diagnosis and under-diagnosis. Its July 2026 statement also warns against loose diagnostic language that blurs a clinical disorder and normal aging. The practical answer is accurate testing and clinical assessment—not choosing whichever result makes treatment easier to obtain. July 16, 2026 statement.

Read that again. A “normal” or “low” flag deserves context: the test method, timing, repeat results, symptoms and medical history. It is a measurement issue, not proof that your doctor dismissed a condition or that testosterone is the missing treatment. Diagnosis and assay guidance.

Where Defy sits on this

Defy's broad hormone-treatment and nutritional-supplement consent asks you to agree to treatment aimed at optimal levels "even where lab test results are within reference ranges for age and/or in circumstances where other medical organizations do not recommend the same." The same agreement also says prescriptions require clinical need. This is not a published male-TRT eligibility threshold or proof that every patient is treated outside guidelines. Patient consent and clinical-necessity clauses.

That's a material disclosure. Do not treat it as permission to use testosterone just because symptoms persist within a reference range. Ask what diagnosis is being made, which repeat results support it, what other causes were considered and how the proposed treatment fits the evidence.

• If your results are in range but you still feel unwell, you deserve a full evaluation—not an assumption that more testosterone is the answer.
• If the proposed treatment differs from specialty guidance, ask the clinician to explain the reason, alternatives and risks before consenting. A second opinion from primary care, urology or endocrinology may be the better next step.

Both readers deserve to understand that sentence before they pay.

The free-testosterone method needs a specific check

The $299 panel lists total and free testosterone, sensitive estradiol, SHBG and LH. But the name “free testosterone” does not tell you whether the method is suitable for diagnosis. The exact code creates an important question:

Ask: “If free testosterone is needed for my diagnosis, will you use a recommended method or calculation rather than rely on the direct-analog free result?”

This is a documented mismatch between a catalog test method and guideline advice. It is not proof that every Defy clinician bases decisions on that result alone. A clinician may order another assay or use a suitable calculation; we did not verify Defy's patient-specific practice or whether extra testing is included. A large panel does not, by itself, establish a guideline-concordant diagnosis.

Defy initial test codes · follow-up codes · Labcorp 140103 methodology · Endocrine Society guideline, free-testosterone measurement.

We are not diagnosing you and neither is this page. A qualified clinician must review your history, arrange accurate repeat testing and perform any examination needed to make the diagnosis. Clinical guidance.

What the current label actually says about risk

In February 2025, the FDA announced class-wide labeling changes for approved testosterone products. Two changes matter to you: FDA safety communication.

The boxed-warning language about increased cardiovascular risk was removed. The supporting TRAVERSE trial studied more than 5,200 men aged 45–80 with hypogonadism and existing or elevated cardiovascular risk, using a specific testosterone gel. For the main outcome—cardiovascular death, heart attack or stroke—the gel was not worse than placebo within the study's preset margin. That is not proof of cardiovascular protection or equal safety for every product and population. FDA testosterone information and TRAVERSE discussion.

A warning about increased blood pressure was added. FDA's post-market blood-pressure findings led it to require product-label updates. This is a reason to arrange blood-pressure monitoring, not a reason to assume a blood panel alone covers treatment safety. FDA labeling change.

The Endocrine Society's July 2026 statement also describes more pulmonary embolism—a blood clot in the lungs—and more fractures in testosterone-treated participants in the relevant trial analyses. It emphasizes prostate risk assessment and monitoring, with limits to what the follow-up can establish about a slow-developing cancer. Those findings should not be reduced to a universal percentage risk for your prescription. Endocrine Society trial summary.

There was another FDA development in June 2026. FDA requested further labeling updates concerning the age-related limitation of use and prostate-related language. A request does not establish that every product label has already changed, and it does not make treatment appropriate for everyone with age-related symptoms or a cancer history. The clinician should review the current label for the exact product and your individual risks. FDA current testosterone information; HHS announcement of requested updates.

Put that next to Defy's terms and a practical gap appears:

Defy's lab panel is a blood panel—it does not measure blood pressure. Its terms also tell male patients to arrange prostate-screening discussions with primary care or urology. The inclusion of a PSA blood test in the panel does not settle who reviews it, which screening is appropriate, or who follows up an abnormal result. Prostate-screening consent; Panel contents.

That is not a reason to avoid Defy. It's a reason to keep your primary care doctor. Tell them you are considering testosterone therapy. Ask who is tracking your blood pressure, blood count and any indicated prostate-related tests over time, and write the answer down. If nobody on your care team can answer that question, you don't have a complete care plan yet — no matter how good your consultation was. Monitoring and risk guidance; blood-pressure warning.

What if fertility matters to you?

Testosterone therapy can suppress sperm production. Specialty guidance advises addressing fertility before treatment, and external testosterone can reduce the hormone signals that support sperm production. No clinic can promise that fertility will be preserved or restored. Endocrine Society guidance; AUA/ASRM male-infertility guidance.

Defy’s patient portal advertises HCG Support, and its service page describes supplemental medications alongside TRT. That is a reason to ask about the exact offer, not proof of a fertility-care plan. Ask whether your clinician manages male infertility, whether semen testing or specialist referral is appropriate, and what product, pharmacy and separate cost would apply. Do not assume an add-on cancels testosterone’s fertility risk. HCG Support offer; Supplemental-medication description; AUA/ASRM guidance.

But read the next part carefully, because this is where we stop being a comparison site.

hCG, clomiphene and enclomiphene are not interchangeable with testosterone replacement. They work differently. None of them is "natural TRT." None of them is a guarantee of preserved or recovered fertility, and anyone who tells you otherwise is overselling. AUA/ASRM guidance.

Their regulatory status also differs. Prescription hCG, including Pregnyl, has approved uses for selected male cases of hypogonadotropic hypogonadism—a condition involving low hormonal signals to the testicles. Clomiphene's approved indication is ovulatory dysfunction in women; use for male testosterone or fertility problems is off-label. Compounded enclomiphene is not FDA-approved. None of those facts guarantees suitability, effectiveness or fertility preservation for an individual patient. Pregnyl labeling; Clomid labeling; FDA compounding explanation.

If you want children now or in the future, bring that up before any testosterone prescription. If trying to conceive is a priority, a urologist or reproductive urologist is the better first appointment—not a general TRT sales intake, including at clinics with which we have commercial relationships. The specialist may offer some care by telemedicine; the key is a fertility-aware assessment, which may include semen testing, not the visit's marketing label. AUA/ASRM male-infertility guidance.

→ Read our guide to TRT and fertility first, and if you're not sure whether your situation needs a specialist, map it with Find My TRT Path before you pay anyone.

What happens to online TRT after December 31, 2026?

The federal telemedicine flexibility currently runs through December 31, 2026; that date does not tell you what the rules will be afterward. Testosterone is a Schedule III controlled substance and requires a valid prescription, and DEA's Fourth Temporary Extension permits qualifying telemedicine prescribing without a prior in-person visit only when its conditions and other applicable laws are met. Confirm your prescriber's plan for any rule change rather than assuming uninterrupted access. DEA scheduling; DEA extension announcement.

Why does this belong on a review page? Because you are choosing an ongoing care arrangement involving a controlled medicine, and the current federal exception has an end date. A renewal plan is part of the decision—not a reason to rush into treatment.

Three things to hold in your head:

The extension remains in effect through December 31, 2026. It is not a blanket waiver of clinical assessment, the prescriber's authority or state requirements. For this Schedule III medication, the cited general flexibility concerns qualifying audio-video care, not a prescription guarantee from an online form. DEA extension conditions.

Federal rules are only half the picture. State telemedicine and prescribing requirements apply on top and vary. A clinic being legal in one state proves nothing about another. HHS licensing guidance.

Defy's physical-exam form does not future-proof prescribing. A signed form every 24 months may meet the clinic's documented requirement, but it does not establish that a particular future legal examination requirement is met. Ask who would need to examine you, where, how often and at what cost if the rules change. Clinic physical-exam terms; Federal temporary flexibility.

FDA labeling and DEA prescribing rules are separate issues. The June 2026 FDA requests for label changes did not, by themselves, remove testosterone from Schedule III or extend the telemedicine deadline. Check the current rule again before a new appointment or transfer that depends on remote prescribing. FDA/HHS labeling announcement; DEA Schedule III listing; extension end date.

Who should choose Defy Medical — and who shouldn't?

Defy's pay-per-service model may fit a cash-pay reader who wants to discuss its extended consultations and advertised treatment formats. It is not a default choice for complex disease, fertility concerns or symptoms with normal laboratory results. Choose only after the proposed diagnosis, assay method, full quote, state access and ongoing-care responsibilities are clear.

Commercial disclosure: TRT Provider Guide has relationships with Male Excel and Taurus Meds. The comparisons below use public source links and internal guides, not compensated referral links. We earn nothing from Defy Medical. A commercial relationship is not evidence that an alternative is cheaper, safer or a better clinical fit. Read our affiliate disclosure.

These are editorial care-route judgments, not a medical ranking. Clinical and risk guidance · fertility guidance · Defy model · Male Excel pricing · Taurus offer · Taurus fee terms.

If you need the price up front: Male Excel

Male Excel publishes starting components, but two public pricing paths differ. Its main pricing page, checked September 15, 2026, separates medication from a required membership; do not assume a lower figure elsewhere is the price available to you. Main pricing page; separate HRT pricing page.

The lower schedule remains visible, but we did not establish that a new patient can choose it. Get written confirmation of the applicable intake, medication, membership, supply and shipping charges.

Main treatment prices · Initial test and consultation offer · Separate pricing schedule.

Two honest catches, because you should hear them from us and not after you enrol.

First, the advertised starting injection and cream bundles on the main pricing page include desiccated thyroid medication alongside testosterone. Do not treat thyroid medication as a routine TRT requirement. Ask whether it is clinically indicated for you and what the price is without it; the public bundle is not a personalized medical recommendation. Male Excel describes its testosterone as compounded; compounded preparations are not FDA-approved finished products. Confirm the exact product proposed to you. Bundle description; Male Excel compounded-testosterone statement; FDA compounding explanation.

Second, if a clinician has prescribed an additional medicine such as hCG or an estrogen-control medication, confirm availability and transfer arrangements before changing providers. We did not verify those options for Male Excel. A lower advertised price is not a bargain if it does not cover your actual care needs.

State check: Male Excel’s homepage excludes Alabama, Alaska, Arkansas, Connecticut, Hawaii, Idaho, Louisiana, Minnesota, Mississippi, New Hampshire and Rhode Island from its listed prescribing coverage. Confirm access for your location before comparing costs or planning a transfer. Male Excel state-coverage statement.

→ If published starting prices are what you need next, check Male Excel's fees and the first-year cost model before deciding whether to request its own written quote. The guide separates medication, membership, billing blocks and missing charges; it does not determine medical eligibility.

If the entry price is the barrier: Taurus Meds

Taurus Meds has a $49 blood-test and clinician-review offer that names Labcorp or Quest and advertises medication at $149/month. We did not verify a current six-month-commitment offer or a $199 month-to-month option on that page. Its homepage also advertises a free-test entry path; do not assume the offers have identical conditions. Taurus $49 offer; homepage offer.

The larger catch is the fee conflict. The $149 offer says “all inclusive” with no membership fee, while the legal terms specify a $17.99 recurring membership fee per billing period unless otherwise stated at purchase. The billing period and applicability need written confirmation. Its marketing and refund policy also use different refund conditions, so do not assume a 90-day headline guarantees return of laboratory, pharmacy or completed-service charges. Offer wording; Healthcare Member Fees and nonrefundable charges; refund policy.

→ If the entry price is the barrier, review Taurus Meds' intake price, recurring-fee conflict and refund limits before paying. Ask Taurus which written offer and terms will apply to your order and state.

First-year costs, side by side—without calling partial figures all-in

Defy initial price · Defy follow-up price · Defy terms · Defy pharmacy directory · Male Excel pricing · Male Excel intake · Taurus offer · Taurus terms · Taurus refund policy.

Billing assumption: Male Excel's $2,727 is a 12-month advertised-rate calculation, not a verified 365-day cash quote. Six 60-day medication supplies cover 360 days; another refill charge can fall within the first year depending on timing. Taurus' $1,837 assumes twelve $149 charges and no applicable extra membership fee. Neither assumption should be mistaken for a personalized promise. Defy HCG Support offer; Male Excel compounded-testosterone statement.

These are different kinds of subtotals, so they cannot support a cheapest-provider ranking or a claim that Defy costs $300–$600 more. Get comparable written quotes for the same clinically appropriate care. For more on how to make that comparison, see our TRT cost guide.

What are the 12 questions to ask before you pay Defy?

Defy's Get Started form leads to Patient Advocate follow-up. That's a conversation you should walk into with a list, not a vague intention. Some policies and lab prices are public; the questions below turn them into answers for your actual clinician, state, treatment and budget. Defy contact process.

Copy these. Write the answers in the margin.

1. What is the initial consultation fee, who will see me, how long is the appointment, and is it charged before or after my lab work?
2. What is the follow-up consultation fee, does it change depending on the clinician, and which between-visit questions or lab reviews cost extra?
3. What will my proposed medication cost per fill, how many days does each fill cover, and are supplies, shipping or other fees separate?
4. Which exact pharmacy facility will fill my prescription, and is it licensed to serve my state?
5. Is the testosterone you're proposing an FDA-approved product or a compounded preparation?
6. If I'm not approved after labs and the consultation, exactly what am I charged, and what are the cancellation rules for unused orders?
7. Do you treat patients where I will be located, which lab-ordering path can I use there, and what physical-examination documentation do I need?
8. If I'm outside Florida, can my prescription go to a local pharmacy, what is the refill lead time, and who handles a delay?
9. Will you propose hCG, an estrogen-control medication, thyroid treatment or supplements—and what is the clinical reason, price and optional status of each?
10. How are repeat early-morning diagnostic testing and any indicated free-testosterone measurement handled, and what tests, schedule and charges apply to ongoing monitoring?
11. How do I get a superbill with CPT and ICD-10 codes, complete lab and visit records, and a transfer to another clinician? Are there fees?
12. Who is responsible for tracking my blood pressure, blood count and any indicated prostate-related testing over time—and acting on the results?

That last one turns “monitoring included” into a named responsibility. Write down the answer.

→ Have your questions ready? Send Defy a contact request about your care and costs. Do not authorize payment until the answers resolve the issues that matter to you.

What did we actually verify?

What we actually verified: public documents, catalog prices and listed test methods—not care delivered to an individual patient. Verification date: September 15, 2026. This is editorial research, not a hands-on review, and it has not been clinically reviewed.

An important distinction: when we say "verified," we mean we confirmed the source says this. We did not verify that care is delivered this way for any individual patient. Those are different claims and we keep them apart.

Sources checked: Defy's April 2, 2026 Terms of Service, TRT service, Get Started and patient-portal pages; its pharmacy contact directory; TestDefy's initial and follow-up panels, individual test listings and on-demand FAQ; Labcorp's 140103 methodology; Trustpilot's profile and quoted reviews; BBB's profile and customer reviews; Male Excel's two public pricing paths and intake page; Taurus' offer, homepage and legal policies; the Endocrine Society guideline and July 2026 statement; AUA/ASRM fertility guidance; FDA materials; applicable drug labeling; DEA's scheduling and telemedicine announcements; and HHS guidance on state licensing and medical records. Links appear beside the claims they support.

Public-source facts confirmed: the $299 initial and $275 follow-up lab prices; all eleven panel component prices and the $17/$21 bundle differences; listed Labcorp code 140103 and its direct-analog free-testosterone method; the five-state on-demand testing exclusion; the quoted policy clauses and their exceptions; the three named pharmacy contacts; the displayed Trustpilot and BBB figures; and the differing public price or fee schedules discussed for Male Excel and Taurus.

Provider-stated, not independently established as delivered care: consultation length, treatment availability, individualized plans, pharmacy standards, clinical monitoring and service access. A public page saying a service exists does not establish that it is appropriate, available or priced the same for you.

Customer-experience signals, not proof of policy or typical results: every review quoted on this page. Individual reports describe one person's experience. They can't establish safety, effectiveness, or what will happen to you.

We could not verify and will not guess at: Defy's current consultation and prescription quote, a complete first-year total, a current monthly average with confirmed inclusions, complete treatment-state list, assigned clinician and pharmacy, individual licensing for that future assignment, guaranteed support or refill turnaround, or complete record-transfer charges. We did not complete private checkout, buy laboratory services, place an order, contact support or evaluate a patient encounter.

Our method: How We Review TRT Providers. Our byline policy: Authors and medical reviewers.

Corrections: prices and policies change. If something here is out of date, send the source through our corrections process. We will check the claim rather than automatically replacing it with a new marketing statement. Our editorial standards explain source use; our privacy policy explains data handling. Do not send private medical records with a correction.

What else should you know about Defy Medical?

These frequently asked questions cover the remaining payment, access and care issues. The answers distinguish a public clinic statement from a guarantee about your own treatment.

Is Defy Medical legit?

Defy has an operating public clinic website, a Tampa address, a named medical director and a BBB business profile. BBB's file-opened date is not a clinic-license record, and reviews do not independently establish clinical quality or the assigned prescriber's authority. Confirm the exact clinician and dispensing pharmacy for your state. Defy contact and clinical team information; BBB business record; licensing guidance.

How much does Defy Medical cost per month?

We did not verify one current monthly price that includes every required service. Defy advertises a pay-per-service model, and its public lab prices are $299 for the listed initial panel and $275 for the listed follow-up panel. Consultation, medication, repeat testing, monitoring, supplies and shipping need an itemized quote. Defy billing model; initial panel; follow-up panel.

What is Defy Medical's consultation fee?

A current fee for a new patient's assigned clinician and visit type was not established in this check. Ask before paying for the evaluation. A historical customer-reported charge, including the $275 in the July 2024 BBB review, is not today's quote. Defy contact process; historical review.

Does Defy Medical take insurance?

No. Its terms state it does not accept insurance of any kind and will not process or appeal claims. It will provide a superbill with CPT and ICD-10 codes on request so you can attempt out-of-network reimbursement yourself. HSA and FSA eligibility and payment handling need a separate check. Insurance statement.

Can I get a refund from Defy Medical if I'm not approved?

Not solely because the completed evaluation does not lead to a prescription. Defy's terms exclude outcome-based refunds for consultations and results-based refunds for laboratory work. Unused orders have different rules: the main-site terms describe credit minus $25 and conditional refunds, while TestDefy's FAQ describes an unused-test refund within 90 days. Confirm the policy for your purchase before paying. Refund provisions; on-demand FAQ.

Does Defy Medical prescribe hCG?

Defy’s patient portal advertises HCG Support, and its service page describes supplemental medicines alongside TRT. Confirm the current product, pharmacy, state access, price and clinical reason before assuming it is included in your plan. hCG is not interchangeable with testosterone replacement and does not guarantee preserved or restored fertility. HCG Support offer; Supplemental-medication description; Fertility guidance.

What states does Defy Medical treat patients in?

A complete current treatment-state list was not verified here. Its on-demand lab storefront excludes New York, New Jersey, Pennsylvania, Rhode Island and Massachusetts, but that is not a complete treatment-availability rule. Confirm the clinician, testing path and pharmacy arrangement for the state where you will receive care. Laboratory restriction; state-licensing guidance.

Can I use my own local pharmacy with Defy Medical?

Do not assume so outside Florida. Defy's terms state that it does not send controlled-substance prescriptions to retail pharmacies across state lines. Ask which dispensing arrangements are available for you; its patient contact directory names APS, Empower and Hallandale but does not establish your assignment. Clinic pharmacy policy; pharmacy contacts.

Is Defy Medical BBB accredited?

No. BBB's profile, checked September 15, 2026, lists Defy Medical LLC as not accredited with a C rating. BBB identifies three complaints and one unanswered complaint among the rating reasons. That is business-profile information, not a medical license or a clinical outcome measure. BBB profile.

Does Defy Medical lock you into a contract?

Defy advertises no subscriptions or contracts. That's not the same as no obligations—its terms still govern payment, refund eligibility, refill approval and follow-up. The usual six-month consultation and laboratory schedule and 24-month physical-exam documentation can differ as documented in the treatment plan. Billing-model statement; Patient Compliance and refund terms.

How long does it take to get started?

A guaranteed start date was not verified. Defy describes Patient Advocate follow-up after a contact request, completion of requirements such as labs and physical-exam documentation, and a clinician consultation before any prescribed treatment. Ask for current appointment availability and pharmacy timing separately. Get Started process.

Does this guide recommend starting TRT?

No. It helps you compare one clinic and prepare the right questions. Whether testosterone therapy is appropriate for you requires a clinical evaluation, accurate repeat testing and any needed examination. Find My TRT Path is educational and non-diagnostic; it does not determine eligibility or guarantee a prescription. Clinical diagnostic guidance.

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Still not sure which TRT care route fits you? Use our free Find My TRT Path tool.

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Sources

All linked sources were checked on September 15, 2026. Catalog prices and policies are the versions available during that check, not promises that they will remain unchanged.

Defy Medical and laboratory evidence: Terms of Service, effective April 2, 2026; TRT services; patient portal and insurance statement; Get Started; Pharmacy Contact; Initial Male Panel; Follow Up Panel for Men; Men’s Health catalog; Men’s Health catalog, page 2; IGF-1 catalog listing; lipid and LH catalog listings; testosterone and TSH catalog listings; CBC; CMP; TestDefy FAQ; Labcorp test 140103 methodology.

Customer-experience records: Trustpilot profile and reviews; additional Trustpilot reviews; BBB profile; BBB customer reviews.

Medical and regulatory evidence: Endocrine Society guideline resources; Testosterone Therapy in Men With Hypogonadism: Endocrine Society Clinical Practice Guideline; Endocrine Society statement, July 16, 2026; AUA/ASRM male-infertility guideline, Part II; FDA February 28, 2025 labeling changes; FDA Testosterone Information; HHS announcement of June 2026 FDA labeling requests; FDA compounding questions and answers; Clomid prescribing information; Pregnyl prescribing information; DEA Drug Scheduling; DEA Fourth Temporary Extension announcement; HHS licensing across state lines; HHS medical-record access.

Alternative-provider price and policy evidence: Male Excel main treatment prices; Male Excel compounded-testosterone statement; Male Excel test and consultation path; Male Excel separate HRT pricing page; Taurus $49 testosterone offer; Taurus homepage offer; Taurus Terms of Use; Taurus refund policy.