Does Curative Cover TRT? What Its 2026 Formulary Shows for Testosterone Shots and Gels

TRT Provider Guide · Last verified: November 2026 (sources checked November 12, 2026; the Curative formulary we opened is marked "Last updated 11/2026") · Editorial research

Last updated: November 12, 2026.

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.

Affiliate disclosure: We may earn a commission if you use the tracked links to Male Excel or Hone on this page. That does not change the Curative documents quoted below, and official Curative and FDA links are not affiliate links.

Educational notice: This page explains plan documents. It is not medical advice, it does not diagnose low testosterone, and it is not a guarantee that Curative will approve or pay a claim.

The short answer

Answer capsule: Yes. Curative's formulary, last updated November 2026, lists generic testosterone cypionate injections and the 1.62% testosterone gel pump at Tier 1, which Curative prices at a $0 copay once you complete your Baseline Visit. Neither row carries a prior authorization flag. Enanthate and other gels are Tier 2, a $50 copay.

Curative is an employer health plan sold to companies based in Texas, Florida, and Georgia. Its pharmacy benefit has three tiers and a short list of flags. For testosterone, the flags are quantity limits only. For testosterone, the bigger cost risk is the Baseline Visit. If you skip it, Curative's provider manual says the $0 benefit is replaced by a $5,000 in-network deductible plus copays.

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.

Who this page is for, and who it is not for

Best for: employees and family members on a Curative EPO, PPO, PPO Max, or EPO Value plan who want to know whether testosterone is covered, what it costs at each tier, and what Curative will not pay for.

Also useful for: people whose employer is switching to Curative for 2027 and who already take testosterone, and anyone comparing Curative coverage with a cash-pay online program.

Not the right starting point if:

• You saw the Cigna name on your Curative plan materials and think you have Cigna. Curative's provider portal says that since January 1, 2026 it uses the Cigna Healthcare PPO Network or its own Curative Wrap Solution for medical networks. That does not make Curative a Cigna drug plan. If your plan is a true Cigna plan, start with Does Cigna cover TRT?.
• You have Medicare or Medicaid. Curative sells employer plans, and the cash-pay programs on this page are not a fit for government-program coverage. Start with Does Medicare cover TRT? or Does Medicaid cover TRT?.
• Your card names a different insurer. Other payers are covered in TRT providers that take insurance.

How does Curative's drug benefit work?

Answer capsule: Curative has three formulary tiers. With a completed Baseline Visit, Tier 1 is a $0 copay, Tier 2 is $50, and Tier 3 is $250. Drugs not on the formulary are not covered at the pharmacy unless an exception is approved, and Curative says its formulary document is the full list of covered drugs.

Curative's pharmacy page says members get "$0 copays on preferred medications for almost all health conditions" and that non-preferred prescriptions "may have a $50 or $250 copay." It points members to the drug search tool or "the 2026 Formulary document to see the full list of covered drugs." The 2027 formulary changes document prints the tier prices plainly: Tier 1 $0, Tier 2 $50, Tier 3 $250, with a note that costs reflect Baseline completion.

Three things make Curative different from the large carriers on our other coverage pages:

• One formulary, published in full. Most insurers publish several drug lists by state, plan, and tier count. Curative publishes one formulary PDF and says it is the full list.
• Flat copays instead of coinsurance. The tier sets a dollar copay. There is no percentage of the drug price to work out.
• The Baseline Visit decides your cost. The $0 and flat-copay amounts depend on completing a Baseline Visit within 120 days of your plan start.

Curative's plan options page lists who can buy it. Fully insured plans are for companies headquartered in 38 Texas counties or in Florida or Georgia, with 51 or more employees. Level-funded plans are for companies headquartered in Texas, Florida, or Georgia. In both cases, Curative says coverage is available to employees nationwide. So a Curative member could live in a state far from Texas.

What does Curative's formulary show for testosterone?

Answer capsule: Seven testosterone rows appear in the androgens section of Curative's November 2026 formulary. Generic cypionate injections and the 1.62% gel pump are Tier 1. Enanthate, the 1% gels, and the 30 mg/act solution are Tier 2. No testosterone row has a PA or step therapy flag.

We opened the formulary marked "Last updated 11/2026" from Curative's pharmacy page on November 12, 2026, and copied every row in its Androgens section. We then checked each product against Curative's 2026 and 2027 formulary changes documents. Curative publishes these as three separate PDFs. This combined, product-by-product history does not appear on Curative's site.

"2025 tier" comes from Curative's 2026 formulary changes document, which only lists drugs whose coverage changed. "Not listed in changes" means that document did not mention the product. QL means quantity limit. The formulary prints the limit as a number per day count, such as "10 / 28 day(s)", and does not name the unit, so ask your pharmacist how your exact prescription counts against it. The copay column uses the tier prices in Curative's 2027 changes document, which says they reflect Baseline completion.

What the table shows:

• The cheapest testosterone on Curative is generic cypionate or the 1.62% gel pump. Both are Tier 1.
• Enanthate moved up a tier in 2026. It was Tier 1 in 2025 and is Tier 2 now, with generic cypionate named as the Tier 1 alternative.
• The 2027 changes document has no testosterone entries. We searched it for testosterone, androgen, needle, and syringe rows and found none. For 2027, Curative says changes take effect on the plan renewal date on or after January 1, 2027 for fully insured Texas plans, and on January 1, 2027 for everyone else.

Which testosterone products are not on Curative's formulary?

Answer capsule: We did not find Xyosted, Jatenzo, Kyzatrex, Tlando, Aveed, Testopel, Natesto, or methyltestosterone on the November 2026 formulary. Because Curative calls the formulary its full list of covered drugs, assume a missing product is not covered at the pharmacy until Curative tells you otherwise.

Brand-name testosterone products often cost far more than generic cypionate. Curative's approach, described on its pharmacy page, is to seek "the most effective and lowest cost options" rather than "chasing rebates from drug companies." For testosterone, that shows up as two generic Tier 1 options and no brands on the list.

If you and your prescriber think you need a product that is not on the formulary, Curative's Pharmacy PA Overview says the pharmacy will see that a drug is not covered and that it "would require prior authorization by your doctor." It lists the common reasons for denial, including a drug not being on the formulary and a medical-necessity review that finds "an equally effective, less costly alternative." With two $0 testosterone options on the list, a brand request will likely need a clear reason the generics do not work for you.

Pellets (Testopel) and long-acting Aveed injections are given in a clinic. Curative's 2027 changes document describes some drugs as covered "through your medical plan rather than the pharmacy benefit," and says these "are typically given in a clinical setting." Ask Curative Member Services at 855-428-7284 before you schedule one.

Related products that some men use alongside or instead of testosterone:

• Clomiphene citrate is on the formulary at Tier 1 with a PA flag and an "F" flag, which Curative's legend defines as "Covered under fertility rider." Whether your plan has that rider is an employer choice.
• Pregnyl (hCG) is listed at Tier 1 with PA, specialty, quantity limit (2 / 30 days), and fertility-rider flags.
• Enclomiphene does not appear on the formulary.

If you are weighing these options, see enclomiphene vs clomiphene and Does TRT affect fertility?.

What will TRT cost you on Curative?

Answer capsule: With a completed Baseline Visit, generic cypionate or the 1.62% gel pump costs $0 at an in-network pharmacy, and Tier 2 testosterone costs $50. Without the Baseline, Curative's provider manual says you face a $5,000 in-network deductible and copays. Visits and labs follow your medical benefits.

The Baseline Visit has two parts, according to Curative's Baseline page: an onboarding session and a one-on-one clinical check-in by Zoom with a Curative clinician. Every member and dependent aged 18 or older must complete it within the first 120 days of the plan start, and again each year at renewal. Curative's Baseline FAQ says you do not need to finish it before getting care, and that if it is missed, "you and your dependents lose access to the $0 copay and $0 deductible benefits."

For someone on testosterone, that deadline matters more than any formulary rule. A missed Baseline turns a $0 monthly prescription into one that counts against a $5,000 deductible. Put the Baseline on your calendar the week your plan starts.

How this compares with cash prices: our testosterone cypionate cost and testosterone gel cost pages track what you would pay without insurance. A $0 Tier 1 copay beats those prices at any pharmacy. Labs and visits are separate. Curative's Baseline FAQ says Baseline labs are $0 for eligible members but are only offered to Texas residents right now, and members outside Texas can book a $0 primary care visit to request labs. We have not confirmed which tests a Baseline lab panel includes, so do not assume it includes testosterone. More on lab costs is on testosterone blood test cost.

Does Curative require prior authorization for testosterone?

Answer capsule: No testosterone row on the November 2026 formulary carries a PA or step therapy flag. Generic cypionate, enanthate, and the listed gels have quantity limits only. Products that are not on the formulary, or doses above the quantity limit, may need a prior authorization request.

The formulary legend defines PA as a requirement to get approval before you fill, "Without prior approval, we may not cover this drug." Step therapy means trying other drugs first. Neither flag appears on the testosterone rows.

If you do need a request, Curative's prior authorization page says "it is up to the member and the provider to request prior authorization," and links a prescription drug prior authorization form. Curative's pharmacy page says its pharmacy prior authorization guidelines are reviewed quarterly by its Pharmacy and Therapeutics Committee. Provider Services is at 855-414-1083.

No PA flag does not mean no diagnosis. FDA-approved testosterone labels, such as the Xyosted prescribing information revised July 2025, tell prescribers to confirm hypogonadism before starting by measuring serum testosterone in the morning on at least two separate days and finding it below the normal range. That standard applies whoever pays. More is on Do you need two low testosterone tests for TRT?.

Does Curative cover compounded testosterone cream?

Answer capsule: We found no compounded testosterone on Curative's formulary. A 2024 Curative PPO benefit booklet we opened lists compound medications as not covered unless noted in its covered-services section. Check your own 2026 booklet in the Member Portal.

Curative's current benefit booklets sit behind the member login. The public version we found is a 2024 Curative PPO Benefit Booklet posted on an employer benefits portal. Its exclusions list includes:

• "Compound medications are not covered unless noted in the What's Covered section of this Benefit Booklet."
• "Drugs that are not included in the Curative Formulary."
• "Non-FDA approved Drugs except those specifically noted in the What's Covered section."

That is a 2024 document from one employer's plan. Your 2026 booklet may differ, so treat it as a strong signal, not the final word.

This matters for online TRT shopping. Male Excel says its testosterone cream is a compounded blend and that compounded medications are not FDA-approved. Compounded creams are a cash-pay product in almost every case. If you want a cream, our best compounded testosterone providers page compares the main options. If you want Curative to pay, the covered topical choices are the 1.62% pump (Tier 1) and the 1% gels (Tier 2).

Does Curative cover needles and syringes for testosterone shots?

Answer capsule: The formulary lists pen needles and insulin syringes and needles at Tier 1, with OTC flags. Curative's 2026 changes document also has a "Testosterone Pen Needles" row that excludes the EasyPoint brand and names Monoject, BD, EasyTouch, and other brands as $0 alternatives.

The formulary's Needles and Syringes section lists "INSULIN SYRINGE/NEEDLE" at Tier 1 with a custom quantity limit of 2 per 365 days and an OTC flag, and "PEN NEEDLES" at Tier 1 with an OTC flag. Curative's legend defines OTC as "Over the Counter Items - covered with a valid prescription."

The formulary does not spell out which syringe and needle sizes it will pay for with testosterone. Ask your pharmacist to run the exact supplies your prescriber orders, and see testosterone needle size for what is commonly used.

Which pharmacies can you use with Curative?

Answer capsule: It depends on your plan. EPO and PPO plans use mail order and select retail pharmacies such as H-E-B, Albertsons, Safeway, and Publix. PPO Max adds CVS, Walgreens, and Walmart. Curative Pharmacy delivers to your door.

Source: Curative plan options and funding types, 2026 EPO, PPO, and PPO Max tables, checked November 12, 2026.

Curative's pharmacy page tells members to use preferred in-network pharmacies to keep $0 care, and lists Curative Pharmacy (delivery), Albertsons Pharmacy Companies, H-E-B, and Publix as in-network options, with CVS and Walgreens for PPO Max. The 2024 booklet says out-of-network pharmacy prescriptions must come from a U.S.-licensed pharmacy, and the member must submit the claim with an itemized receipt. If your testosterone comes from a mail-order or compounding pharmacy that is not in Curative's network, expect to pay for it yourself.

Can you use Curative with an online TRT clinic?

Answer capsule: Not for the clinic's own program. Male Excel and Hone are cash-pay and do not bill Curative. Hone says you can transfer a prescription to a local pharmacy and use insurance there, but it does not handle prior authorizations or insurance processing.

Male Excel and Hone publish these terms:

• Male Excel says it does not accept insurance and that treatment is self-pay. Its terms say it does not accept commercial health insurance and is not enrolled in Medicare or Medicaid, and its FAQ says it does not provide letters of medical necessity. Its pricing page, checked November 12, 2026, shows a $99 one-time at-home hormone test and consultation, then a required Proactive Healthcare Membership of $79 a month on the annual plan paid upfront, or $99 a month paid monthly. Medication is billed separately, usually every 60 days, and its pricing FAQ puts common starting-dose medication at $95 to $132 a month. Texas, Florida, and Georgia are not on the list of states where Male Excel's pricing page says it does not prescribe.
• Hone says in its help center that it does not accept insurance for its services and does not complete prior authorizations. Its membership overview, updated September 29, 2026, lists the men's TRT Plus plan at $135 a month and Premium at $155 a month, with medication billed separately. Its state table, updated September 4, 2026, shows Plus and Premium available in Texas, Florida, and Georgia.

Hone's "Can I use my own pharmacy?" help-center article, updated September 4, 2026, says you can move a prescription to a local pharmacy, which then bills you directly. It says commercially made medications are easier to fill at large retail pharmacies, while compounded medications usually need a compounding pharmacy. If you use insurance there and the pharmacy needs a prior authorization, you work with your insurer yourself.

On Curative, generic cypionate and the 1.62% gel pump are Tier 1 with no PA flag. So if a Hone clinician prescribes one of those commercially made products, you could ask an in-network pharmacy, such as Curative Pharmacy or H-E-B, to run it through your Curative drug benefit. We have not confirmed how Curative treats a prescription written by an outside telehealth prescriber, so call Member Services at 855-428-7284 before you count on it. Hone's membership fee is yours to pay either way.

Pre-tax account details are on TRT providers that accept HSA or FSA, and Male Excel's insurance position is covered on Does Male Excel accept insurance?.

When does cash pay make more sense than Curative coverage?

Answer capsule: Not often for the drug itself, because generic cypionate is $0 on Curative after the Baseline Visit. Cash pay fits when you have no prescriber willing to diagnose and monitor you, want one program to run testing and follow-up, or want a compounded cream Curative likely won't cover (check your 2026 benefits booklet).

Here is the math. A Male Excel first year at published prices is about $2,190 to $2,630 on the annual membership plan, or $2,430 to $2,870 paying monthly. That is the $99 start, 12 months of membership, and $95 to $132 a month in medication, before shipping and any dose change. Hone Plus starts "from $180," which Hone says includes the initial test and first month, then $135 a month, or about $1,665 for a first year before medication. A Tier 1 testosterone prescription on Curative is $0 with a completed Baseline.

The reason to pay cash is access and format, since a Tier 1 prescription is $0. After the Baseline, Curative's provider manual says most in-network copays, deductibles, and coinsurance are waived, but you still need a clinician who will run the right labs, diagnose low testosterone, prescribe, and monitor you. Some primary care doctors do this. Some refer you to urology or endocrinology, and that can take time. See Can primary care prescribe TRT?.

Male Excel works outside insurance and runs the whole program in one place: the at-home test, the provider consultation, symptom assessments every 60 days, lab tests every six months, and medication shipped to you. Its FAQ lists two treatment types, testosterone cypionate injections and testosterone cream. That suits someone who does not have, or does not want to wait for, a local prescriber. Keep the tradeoffs in view: you pay the full program cost, its cream is compounded and not FDA-approved, Curative likely won't reimburse it (check your 2026 benefits booklet), and a prescription is never guaranteed.

Cash pay can be the better fit when:

• You do not have a local prescriber who will diagnose, prescribe, and monitor testosterone.
• You want testing, follow-up, and refills handled by one program, and you accept paying for it.
• You want a compounded cream format that Curative likely won't cover (check your 2026 benefits booklet).
• You are between jobs or between plans and want a clinician to evaluate you now.

If that describes you and you live in Texas, Florida, Georgia, or another state where Male Excel prescribes, start with Male Excel's published program and pricing. If you want to keep using your Curative pharmacy benefit for a commercially made prescription, compare Hone's membership and pharmacy-transfer option. Curative coverage is available to employees nationwide, so if you live outside Texas, Florida, and Georgia, confirm the provider serves your state first. If you are not sure which care route fits, Find My TRT Path asks about your situation first.

See Male Excel's pricing and start the at-home test

Check Hone's plans in your state

How do I check my own Curative testosterone coverage?

1. Book your Baseline Visit in the Member Portal within 120 days of your plan start, and again within 120 days of each renewal.
2. Open the current formulary from Curative's pharmacy page, or use the drug search tool, and find your exact product and strength.
3. Write down the tier and the quantity limit. If your product is not listed, ask your prescriber about generic cypionate or the 1.62% gel pump, the two Tier 1 options.
4. Check that your pharmacy is in network for your plan type. EPO and PPO members have a narrower retail network than PPO Max members.
5. If you inject, ask the pharmacy to run the needles and syringes your prescriber orders and tell you what is covered.
6. If your prescriber wants a clinic-given product such as pellets or Aveed, ask Member Services at 855-428-7284 whether it falls under the medical benefit and whether it needs prior authorization.
7. If Curative denies coverage, ask for the reason in writing and follow testosterone prior authorization. Curative's prior authorization page links an Rx appeal form.

Changing jobs in 2027? Curative says its 2027 formulary changes take effect on January 1, 2027, or at renewal for fully insured Texas plans. Its 2027 changes document lists no testosterone entries.

What should you settle with your doctor first?

A coverage decision is not a diagnosis. Testosterone is a Schedule III controlled substance, and it needs a real evaluation, follow-up labs, and monitoring.

• Fertility: testosterone can lower sperm production, and that effect may not fully reverse. If you want children now or later, raise it before you start. See Does TRT affect fertility?.
• Blood pressure and heart health: In February 2025, FDA required class-wide labeling changes for testosterone products. FDA said labels should add the TRAVERSE cardiovascular safety trial results, keep the limitation of use for age-related hypogonadism, and remove Boxed Warning language about an increased risk of adverse cardiovascular outcomes. It also required blood-pressure warnings: product-specific data where ambulatory blood pressure studies were done, and a new increased-blood-pressure warning for products that lacked one. See TRT and blood pressure.
• Age-related low testosterone: FDA labels keep a limitation of use for age-related hypogonadism. Testosterone is approved for men with low testosterone tied to an associated medical condition.
• Gels: topical testosterone carries a boxed warning about secondary exposure, where transferred gel can affect children and women.

This page does not tell you to start, stop, or change testosterone, and it does not interpret your labs. Review the current label for your exact product with a clinician. More background is on FDA-approved testosterone products.

What we actually verified

Verified on November 12, 2026:

• Curative Formulary marked "Last updated 11/2026" (file dated 11/09/2026), linked as the 2026 formulary on Curative's pharmacy page. We copied every row in its Androgens section, the clomiphene, Pregnyl, and Needles and Syringes rows, and the legend.
• Curative 2026 Formulary Changes (2025 to 2026 tier moves and exclusions) and 2027 Formulary Changes (tier price legend and effective dates). We searched the 2027 document for testosterone, androgen, needle, and syringe entries and found none.
• Curative's pharmacy page, Baseline page, Baseline FAQ, plan options and funding types page, prior authorization page, provider resources page, and Pharmacy PA Overview.
• Curative Provider Manual, 2026 edition: the Baseline Visit section and the sample ID card descriptions.
• A 2024 Curative PPO Benefit Booklet posted on an employer benefits portal (exclusions and out-of-network pharmacy rules), used only as an example.
• FDA's February 28, 2025 class-wide testosterone labeling statement and the Xyosted prescribing information revised July 2025 (section 2.1).
• Male Excel's public pricing page, FAQ, and terms, and Hone's help-center membership overview (updated September 29, 2026), state availability table, insurance article, and pharmacy-transfer article (each updated September 4, 2026).

What we could not confirm: the unit Curative uses for each quantity limit; whether your 2026 benefit booklet keeps the 2024 compound exclusion; how Curative's medical benefit handles clinic-given testosterone such as pellets or Aveed; which tests a Baseline lab panel includes; and how Curative treats a pharmacy claim written by an out-of-network telehealth prescriber.

What we did not do: examine anyone, read anyone's labs, submit a Curative claim or request, or enroll with a provider. A clinician has not reviewed this page. Our process is described in How We Review TRT Providers.

Curative and TRT: frequently asked questions

Does Curative cover TRT?

Yes. Curative's November 2026 formulary lists generic testosterone cypionate injections and the 1.62% testosterone gel pump at Tier 1, plus testosterone enanthate, the 1% gels, and a testosterone solution at Tier 2. None carries a prior authorization flag. Your clinician still has to diagnose low testosterone.

Is testosterone free on Curative?

Generic cypionate and the 1.62% gel pump are Tier 1, which Curative prices at a $0 copay when you have completed your Baseline Visit. Tier 2 testosterone is a $50 copay. If you miss the Baseline deadline, Curative's provider manual says a $5,000 deductible and copays apply.

Does Curative require prior authorization for testosterone injections?

No, not on the November 2026 formulary. Generic cypionate shows a quantity limit of 10 per 28 days and enanthate 5 per 28 days, with no PA or step therapy flag. A dose above the limit, or a product that is not on the formulary, may need a request.

Does Curative cover Depo-Testosterone?

Not in 2026. Curative's 2026 formulary changes document moved Depo-Testosterone from Tier 1 to excluded and named generic testosterone cypionate as the $0 alternative. Ask your prescriber to write for the generic.

Does Curative cover Xyosted, Jatenzo, or Kyzatrex?

We did not find them on the November 2026 formulary, and Curative says the formulary is its full list of covered drugs. Your prescriber can request an exception, but Curative's Pharmacy PA Overview says it may deny a drug when an equally effective, less costly alternative exists.

Does Curative cover compounded testosterone cream?

We found no compounded testosterone on the formulary, and a 2024 Curative PPO benefit booklet lists compound medications as not covered unless noted in its covered-services section. Check your 2026 booklet in the Member Portal. Covered topical options are the 1.62% pump and the 1% gels.

Will Male Excel or Hone bill Curative?

No. Male Excel says it does not accept insurance and does not provide letters of medical necessity. Hone says it does not accept insurance and does not complete prior authorizations. Texas, Florida, and Georgia are not on Male Excel's list of excluded states, and Hone's state table shows its Plus and Premium plans in all three.

Sources

1. Curative. Find a Medication: No copays for prescriptions (pharmacy page). curative.com
2. Curative. Curative Formulary, Last updated 11/2026 (file dated 11/09/2026). PDF
3. Curative. 2026 Formulary Changes. PDF
4. Curative. 2027 Formulary Changes. PDF
5. Curative. The Baseline Visit. curative.com
6. Curative. Frequently Asked Questions About the Baseline Visit. curative.com
7. Curative. Plan Options and Funding Types (2026 EPO, PPO, and PPO Max plan options). curative.com
8. Curative. Prior Authorization. curative.com
9. Curative. Pharmacy PA Overview. PDF
10. Curative. Provider Manual, 2026 edition. PDF
11. Curative. Provider Portal (network note effective January 1, 2026). curative.com
12. Curative Insurance Company. 2024 Curative PPO Benefit Booklet, as posted on an employer benefits portal (example only). PDF
13. U.S. Food and Drug Administration. FDA issues class-wide labeling changes for testosterone products, February 28, 2025. fda.gov
14. U.S. Food and Drug Administration. XYOSTED (testosterone enanthate) injection prescribing information, revised July 2025, section 2.1. accessdata.fda.gov
15. Male Excel. Pricing page, pricing FAQ, general FAQ, and terms and conditions, checked November 12, 2026. Male Excel · Direct sources: pricing and pricing FAQ · general FAQ · terms
16. Hone Health help center. Hone Health Membership Overview (updated September 29, 2026), Hone Health Service Availability by State (2026), Do You Accept Insurance?, and Can I use my own pharmacy? (each updated September 4, 2026). Hone · Direct sources: membership overview · state availability · insurance · own-pharmacy policy

Related reading

• TRT providers that take insurance
• Testosterone prior authorization: denials and appeals
• Do you need two low testosterone tests for TRT?
• Testosterone injections vs gel
• Testosterone cypionate vs enanthate
• Testosterone cypionate cost
• Testosterone enanthate cost
• Testosterone gel cost
• Best compounded testosterone providers
• Does Cigna cover TRT?
• Male Excel cost
• Hone TRT cost

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