Does Select Health Cover TRT? What Its 2026 Drug Lists Show in Utah, Idaho, Colorado, and Nevada

TRT Provider Guide · Last verified: November 2026 (sources checked November 11, 2026; the Select Health commercial drug lists we opened are labeled Last Published or Last Updated between July 23 and November 1, 2026) · Editorial research

Last updated: November 11, 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 Select Health documents quoted below, and official Select Health 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 Select Health will approve or pay a claim.

The short answer

Answer capsule: Yes. On all eight Select Health commercial drug lists we checked for 2026, testosterone cypionate and enanthate injections and common generic testosterone gels are covered, usually with only quantity or days-supply limits and no prior authorization. The tier, and so your cost, depends on which list your plan uses.

Select Health is not one drug list. Members are on either an RxCore list, which differs by state and tier count, or the RxSelect list. On the 4-tier lists, testosterone injections are Tier 1. On the 5- and 6-tier lists, they are Tier 2 or Tier 3, and generic gels sit one tier higher. Only a few products on these lists carry a prior authorization flag: Natesto, and on RxSelect, the 2% gel and the testosterone solution.

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: adults with a Select Health individual, family, or employer plan in Utah, Idaho, Colorado, or Nevada who want to know whether testosterone is covered, which form costs less on their list, and what Select Health will not pay for.

Also useful for: people comparing Select Health coverage with a cash-pay online program, and anyone shopping for a 2027 Select Health plan who wants to check testosterone before enrolling.

Not the right starting point if:

• You have Select Health Medicare. Medicare drug plans follow different rules and lists. Start with Does Medicare cover TRT?.
• You have Select Health Community Care, Select Health's Utah Medicaid plan, or other Medicaid coverage. Start with Does Medicaid cover TRT?. The cash-pay programs on this page are not a fit for government-program coverage.
• Your card says a different insurer. Other payers have their own pages, listed in TRT providers that take insurance.

Which Select Health drug list do you have?

Answer capsule: Select Health says members are on either an RxCore or an RxSelect formulary, and the name is on your ID card and in your member account. RxCore lists differ by state and by the number of tiers. That one detail changes the tier of your testosterone.

Select Health's pharmacy coverage page describes RxCore as a formulary for individual and family plans and employer plans, with covered medications that can vary by state. It tells members to search in the state where they live or where their employer is based. RxSelect is described as an evidence-based formulary that covers a wide range of medications.

The public PDFs are summary drug lists. Each one says it covers the most commonly prescribed drugs and that the complete formulary is in the member account's drug search tool. So if a product is missing from a summary list, that does not prove it is excluded. Check the member account or call Member Services.

What do Select Health's 2026 drug lists show for testosterone?

Answer capsule: Every list we opened covers testosterone cypionate, testosterone enanthate, and common generic 1% and 1.62% gels. Injections fall in the lowest testosterone tier on each list, and gels sit one tier higher on RxCore. The flags are mostly quantity or days-supply limits, not prior authorization.

We opened eight Select Health commercial lists on November 11, 2026 and copied the testosterone rows from each one's androgens section. This side-by-side view does not exist on Select Health's site, where each list is a separate PDF.

QL means quantity limit. PA means preauthorization, Select Health's term for prior authorization. The Idaho 5-tier and Colorado Option lists print a 90-day maximum supply per fill on injection rows instead of a QL flag. The Colorado Option list prints maximum daily amounts on its gel rows: 5.0 per day on the row covering the 1.62% gels and the 25 mg/2.5 g 1% gel, and 10.0 per day on the 1% 50 mg/5 g gel.

Across the eight lists:

• Injections are the lowest testosterone tier on every list. Generic gels are the same tier on RxSelect and one tier higher on each RxCore and RxBasic list.
• Generic gels do not show a PA flag on any list we opened. That is unusual. Many plans require prior authorization or an injection trial before gel.
• The 2% gel and testosterone solution need PA on RxSelect. Those specific presentations are not shown on the RxCore summary lists we opened.

Each list also prints a "depo-testosterone" row at the same tier as testosterone cypionate, and most RxCore lists add a second, capitalized "TESTOSTERONE CYPIONATE" row at that tier. If your price looks wrong, ask your pharmacy which product it billed.

Brands such as Xyosted, Jatenzo, Kyzatrex, Tlando, Aveed, and Testopel do not appear on these summary lists. Because the lists only cover commonly prescribed drugs, check the member account drug search before you assume they are covered or excluded. If a drug you need is not covered, the list legend says you, your physician, or your pharmacy can ask for coverage based on medical necessity using Select Health's Drug Coverage Exception Form, and requests are decided case by case.

What does Select Health tier placement mean for cost?

Answer capsule: Select Health says lower tiers usually cost less, but the summary lists do not print dollar amounts. Your copay or coinsurance depends on your plan. On most lists, an injection costs less than a generic gel because it sits a tier lower.

Each list's legend explains that the formulary is divided into tiers and that drugs on lower tiers usually cost you less. The legend says your cost-sharing for each tier is shown on your Member Payment Summary or in the online search tool, and that Pharmacy Services at 800-538-5038 can tell you a drug's cost and whether preauthorization is required.

On the Utah 4-tier RxCore list and every 5- or 6-tier list, an injection sits one tier below a generic gel. On RxSelect, they share Tier 1. If your plan has a deductible that applies to prescriptions, you may pay more until it is met. Cash drug-price background is on testosterone cypionate cost, testosterone enanthate cost, and testosterone gel cost.

Needles and syringes are a separate question. The Select Health Pharmacy Provider Manual, January 2026, lists therapeutic devices or appliances, including hypodermic needles and syringes, among items generally excluded under the commercial drug benefit, except insulin syringes, glucose test strips, and inhaler extensions. If you inject testosterone, ask whether needles and syringes will be billed to you separately, or whether your plan covers them another way.

Does Select Health require prior authorization for testosterone?

Answer capsule: Not for cypionate or enanthate injections or common generic gels on the 2026 lists we checked. Natesto carries a PA flag, and RxSelect flags the 2% gel and the testosterone solution. Products not on your summary list may need an exception or prior authorization, so check your member account.

The list legend says that for certain drugs you need preauthorization, otherwise you will be responsible for the drug's full retail price. It says quantity limits can be exceeded only with preauthorization, and it defines step therapy as coverage only after you have tried an alternative that did not work. No testosterone row on the lists we opened carries a step therapy flag.

If your prescriber needs to request preauthorization, Select Health's provider manual says electronic requests can go through most electronic medical record platforms or through selecthealth.org/pa. The manual lists Select Health commercial Member Services at 800-538-5038, Monday through Friday 7:00 a.m. to 9:00 p.m. and Saturday 9:00 a.m. to 3:00 p.m., closed Sunday.

We did not find Select Health's public written criteria for the PA-flagged testosterone products on its commercial lists. If you need Natesto, the 2% gel, or the solution, ask your prescriber's office what documentation Select Health requests.

Even without prior authorization, your prescriber still has to make a proper diagnosis. FDA-approved testosterone labels, such as the Xyosted prescribing information revised July 2025, tell prescribers to confirm hypogonadism before starting by making sure serum testosterone was measured in the morning on at least two separate days and was below the normal range. More on that standard is on Do you need two low testosterone tests for TRT?.

Does Select Health cover compounded testosterone or "bio-identical" hormones?

Answer capsule: No for compounded "bio-identical" hormone replacement therapy. Select Health Medical Policy #325 says it does not cover compounded BHRT. Its provider manual also lists compounded drugs as generally excluded when a commercial alternative exists, and commercial testosterone injections and gels are on every list we opened.

Select Health Medical Policy #325, Compounded Medications, with a review date of February 3, 2026 in the copy we opened, says:

• For large and small employer commercial plans, Select Health covers compounded medications only in limited circumstances. The compound must contain an FDA-approved prescription ingredient in therapeutic amounts, with safety and effectiveness supported by scientific literature or national compendia.
• If a compound is similar to a commercial product but differs in dose or dosage form, the prescriber must document the clinical need.
• Compounding for convenience is not considered medically necessary.
• Select Health does not cover compounded "bio-identical" hormone replacement therapy.

The pharmacy provider manual adds two related exclusions under the commercial drug benefit: compound drugs when alternative products are available commercially, and drugs purchased from out-of-network providers over the internet.

For online TRT shoppers, Male Excel says its topical testosterone is compounded and not FDA-approved. Hone's help center says compounded medications usually need a compounding pharmacy. Neither company bills insurance, so Select Health would not be paying for their compounded products in any case.

Can you use Select Health 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 Select Health. Hone says a member can transfer a commercially made 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, that treatment is self-pay, and that it does not provide letters of medical necessity. Its pricing page, checked November 11, 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. Its pricing FAQ puts common starting-dose medication at $95 to $132 a month. Male Excel lists Idaho among the states where it does not prescribe hormone treatment. Utah, Colorado, and Nevada are not on that list.
• Hone says in its help center that it does not accept insurance. 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 Utah, Idaho, Colorado, and Nevada.

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

On Select Health, cypionate and enanthate injections and common generic gels show no PA flag. So if a Hone clinician prescribes a commercially made product, you could ask an in-network pharmacy to run it through your Select Health drug benefit. We have not confirmed how Select Health treats a prescription from an outside telehealth prescriber, so call Member Services 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 Select Health coverage?

Answer capsule: Less often than with many insurers, because Select Health lists injections and generic gels without prior authorization. Cash pay fits when you have no local prescriber, want one program to run testing and follow-up, or want a treatment Select Health will not cover, such as compounded testosterone.

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. A covered injection or generic gel at your Select Health tier will usually cost less for the drug, though you still pay your share for visits and labs.

Male Excel does not use your Select Health benefit, and if you already have a doctor willing to prescribe and monitor a covered product, that is the cheaper route. But because Male Excel works outside insurance, it runs the whole program in one place: the at-home test, the provider consultation, structured assessments every 60 days, blood testing every six months, and medication shipped to you. That suits someone who does not have, or does not want to wait for, a local prescriber. Keep the tradeoffs in view: its cream is compounded and not FDA-approved, Select Health will not reimburse it, 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 format that Select Health will not cover.
• You are between plans and want a clinician to evaluate you now.

If that describes you and you live in Utah, Colorado, or Nevada, start with Male Excel's published program and pricing. In Idaho, where Male Excel does not prescribe, or if you want to compare, look at Hone's membership. Neither one makes Select Health pay for the visit or the medication. 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 Select Health testosterone coverage?

1. Find your formulary name on your ID card or in your member account: RxCore (with your state) or RxSelect.
2. Open the matching list from Select Health's pharmacy coverage page, or use the drug search in your member account for the complete formulary.
3. Look up your exact product and strength. Write down the tier and any PA, QL, or supply-limit flag.
4. If your product is not on the summary list, search the member account or call Member Services at 800-538-5038 before your prescriber writes it.
5. If you inject, ask how needles and syringes are billed under your plan.
6. Ask whether a clinic-given product will be billed under your medical benefit instead of the drug benefit.
7. Ask your pharmacy for the price on the exact product before you fill, and ask about visit and lab costs too.
8. If Select Health denies coverage, ask for the reason in writing and follow testosterone prior authorization.

Shopping for 2027? Select Health's pharmacy pages point 2027 shoppers to formularies for Utah, Colorado, and Nevada plans. Check the testosterone rows on the list for the plan you are considering before you enroll.

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 11, 2026:

• Select Health's pharmacy coverage page: the RxCore and RxSelect descriptions and the links to each public drug list.
• Eight Select Health commercial summary drug lists: RxSelect 4-tier (Last Published 11/01/2026); Utah RxCore 4-tier Standardized, Utah RxCore 5-tier, Idaho RxCore 5-tier, and Nevada RxCore 6-tier (each Last Published 09/25/2026); Colorado RxCore 5-tier Option (Last Updated 09/25/2026); Colorado RxCore 6-tier (no date printed in the copy we opened); and Idaho RxBasic (Last Published 07/23/2026). We copied every row in each list's androgens section, plus the legend.
• Select Health Pharmacy Provider Manual, January 2026: commercial covered and generally excluded drugs, preauthorization submission routes, and Member Services hours and numbers.
• Select Health Medical Policy #325, Compounded Medications, review date February 3, 2026.
• 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 and FAQ, and Hone's help-center membership overview (updated September 29, 2026), state availability table (updated September 4, 2026), insurance article, and pharmacy-transfer article (updated September 4, 2026).

What we could not confirm: the dollar copay or coinsurance for any Select Health plan; Select Health's written criteria for the PA-flagged testosterone products; whether brands absent from the summary lists, such as Xyosted, Kyzatrex, Aveed, or Testopel, are on the complete formulary; how Select Health's medical benefit handles clinic-given testosterone; and how Select Health 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 Select Health 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.

Select Health and TRT: frequently asked questions

Does Select Health cover TRT?

Yes, on its commercial plans. Every 2026 Select Health commercial drug list we checked includes testosterone cypionate and enanthate injections and common generic testosterone gels. The tier depends on your list. This answer does not apply to Select Health Medicare or Select Health Community Care (Medicaid).

Does Select Health require prior authorization for testosterone injections?

No, not on the eight 2026 lists we opened. Cypionate and enanthate injections carry quantity limits or a 90-day maximum supply per fill, but no preauthorization flag. Your prescriber still has to diagnose low testosterone properly.

Does Select Health cover testosterone gel?

Yes. Generic 1% and 1.62% gels appear on every list we opened with no PA flag. They are Tier 1 on RxSelect and one tier above injections on the RxCore and RxBasic lists. On RxSelect, the 2% gel and the 30 mg/act solution need preauthorization.

What tier is testosterone on Select Health?

Injections are Tier 1 on the RxSelect and Utah RxCore 4-tier lists, Tier 2 on the Utah, Idaho, and Colorado Option 5-tier lists and Idaho RxBasic, and Tier 3 on the Colorado and Nevada 6-tier lists. Generic gels match injections on RxSelect and sit one tier higher on the others.

Does Select Health cover compounded testosterone cream?

Select Health's Medical Policy #325 says it does not cover compounded "bio-identical" hormone replacement therapy, and its provider manual lists compounds as generally excluded when a commercial alternative exists. Commercial testosterone injections and gels are on every list we checked.

Does Select Health cover needles and syringes for testosterone injections?

The January 2026 pharmacy provider manual lists hypodermic needles and syringes among therapeutic devices generally not covered under the commercial drug benefit, except insulin syringes. Ask Select Health how your plan handles injection supplies.

Will Male Excel or Hone bill Select Health?

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 help with prior authorizations. Male Excel does not prescribe in Idaho. Hone's Plus and Premium plans are listed in Utah, Idaho, Colorado, and Nevada.

Sources

1. Select Health. Pharmacy coverage (RxCore and RxSelect medication lists). selecthealth.org
2. Select Health. RxSelect 4-tier prescription drug list, Last Published 11/01/2026. PDF
3. Select Health. Utah RxCore 4-tier (Standardized) prescription drug list, Last Published 09/25/2026. PDF
4. Select Health. Utah RxCore 5-tier prescription drug list, Last Published 09/25/2026. PDF
5. Select Health. Idaho RxCore 5-tier prescription drug list, Last Published 09/25/2026. PDF
6. Select Health. Idaho RxBasic prescription drug list, Last Published 07/23/2026. PDF
7. Select Health. Colorado RxCore 5-tier (Option) prescription drug list, Last Updated 09/25/2026. PDF
8. Select Health. Colorado RxCore 6-tier prescription drug list, opened November 11, 2026. PDF
9. Select Health. Nevada RxCore 6-tier prescription drug list, Last Published 09/25/2026. PDF
10. Select Health. Pharmacy Provider Manual: Pharmacy Plans, January 2026. PDF
11. Select Health. Medical Policy #325, Compounded Medications, review date February 3, 2026, in Select Health Medical Policies: Pharmacology Policies. PDF
12. U.S. Food and Drug Administration. FDA issues class-wide labeling changes for testosterone products, February 28, 2025. fda.gov
13. U.S. Food and Drug Administration. XYOSTED (testosterone enanthate) injection prescribing information, revised July 2025, section 2.1. accessdata.fda.gov
14. Male Excel. Pricing page, pricing FAQ, and general FAQ, checked November 11, 2026. Male Excel · Direct sources: pricing and pricing FAQ · general FAQ
15. Hone Health help center. Hone Health Membership Overview (updated September 29, 2026), Hone Health Service Availability by State (2026) (updated September 4, 2026), Do You Accept Insurance?, and Can I use my own pharmacy? (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 cost
• Testosterone gel cost
• Best compounded testosterone providers
• Does Medicare cover TRT?
• Does Medicaid 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.