Peter MD Cost in 2026: What You Actually Pay, Line by Line

Peter MD cost starts at an advertised $79 a month, paid as $948 up front for 12 months. Its $95 starting panel brings those two charges to $1,043—not a complete first-year bill. This offer suits readers able to prepay; confirm testing, commitment, and refund terms before choosing it.^{1 2}

Best for you: You've already been evaluated, can absorb one large upfront charge, and want PeterMD's lowest advertised monthly rate for its injectable plan.

Not for you if: You need a guaranteed 30-day exit, depend on a refund, or live in Alabama or Idaho. This injectable offer also does not meet a needle-free preference. If low testosterone has not been confirmed or having children soon is a priority, settle the care plan before prepaying treatment.^{1 3 8 12}

Last verified: September 2026 · Public sources checked September 11, 2026 · Published by TRT Provider Guide · Editorial research — not clinically reviewed

We have no affiliate relationship with PeterMD. We earn nothing if you sign up with them. We have affiliate relationships with other providers, including Male Excel and Taurus Meds. Our PeterMD links are ordinary source or contact links. Read our affiliate disclosure.

Provider-stated offers, checked September 11, 2026—not a completed checkout. Monthly billing does not establish a one-month commitment.^{1 3 4}

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Here's the part that surprised us.

PeterMD also sells a plan labeled "1-Month Plan" at $139 a month. On its own FAQ page, under the question "Can I cancel my membership at any time?", the site says every subscription can be canceled anytime — "the only exception being our TRT programs which will require at least a 6 month commitment."³

So monthly billing may still come with a longer commitment. We'll show you exactly where both statements live: five extra payments of $139 would add $695 if that six-month minimum applies to your monthly offer. That is conditional arithmetic, not a confirmed charge.^{1 3}

We checked these public statements on September 11, 2026, on PeterMD's own pages. Every published price and calculation below is tied to a source and a stated assumption.

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What is the one thing we should admit first?

We have not used PeterMD. This is a public-source cost guide, not a hands-on treatment review.

We didn't create an account. We didn't sit through their intake. We never talked to one of their doctors, never got a vial in the mail, never tested how fast support replies. If you came here hoping a guy would tell you what month three felt like, this isn't that page, and we're not going to fake it.

What we did was read PeterMD's public plan cards, lab catalog, individual product listings, FAQ, refund and auto-bill policy, and terms — then add up the published charges and check the pages against each other. We also checked the federal records cited below.

Here's why that trade is useful. A price card tells you what an offer costs. Reading it beside the lab pages and cancellation policy tells you what still needs an answer. There's no PeterMD commission here, but that isn't proof of accuracy—the sources and the arithmetic are. The annual plan is prepaid, and the refund policy says treatment sales are final once medication is received.^{1 8}

What we actually verified — September 11, 2026

We confirmed the public wording of the prices, lab listings, commitment and cancellation terms, pharmacy disclosures, and state restrictions. We recalculated the examples and checked the cited FDA, DEA/HHS, and clinical-guideline records. Plan inclusions are provider-stated; personal eligibility, the exact dispensed product, final checkout charges, and service quality were not independently verified.

We did not buy care, contact support, inspect a signed agreement, or audit an individual clinician's or pharmacy's current license. The detailed verification record is below.

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.

This page is educational information, not medical advice. For chest pain, severe trouble breathing, or another medical emergency, call 911 or seek emergency care.

Now the numbers.

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How much does Peter MD cost per month?

PeterMD sells three TRT plans: $79 a month on the 12-month plan, $109 a month on the 6-month plan, and $139 a month on the plan labeled 1-month. The two discounted plans are billed upfront as a single charge — $948 and $654. So "$79 a month" is a rate, not a payment schedule.

Here's what's on the injectable TRT page right now:

The three published offers are in the table above. The annual and six-month cards say they are billed up front, with an option to renew monthly after the initial term.¹

Source: PeterMD's injectable TRT page, checked September 11, 2026. These are published offers, not a checkout-confirmed quote for your situation.¹

PeterMD describes testosterone cypionate as the treatment and advertises medication, shipping, and provider access as included. That's their description, and we have no way to audit what arrives in the box. We did not confirm a complete injection-supply list or quantity for every plan; ask for that in the written quote.¹

Blood work and optional medication add-ons are listed separately. A $25 processing fee also applies to insurance-related lab requests; it is not the price of the lab service. We'll separate the listed charges from the items that still need a quote.⁵

One thing you'll notice if you click around

PeterMD's TRT page says pricing starts "as low as $79/month on the yearly plan." Its Begin TRT FAQ says the yearly plan starts "as low as $99/month." Those are conflicting descriptions of TRT pricing.^{1 4}

The general FAQ also says "Our plans start from as little as $29 per month," but that answer covers different health issues and medications. It is not a $29 TRT quote.³

We used $79 throughout this guide because that's the figure attached to the current annual-plan product card. But if you're comparing PeterMD against another clinic using a number you saw in an ad, check which page it came from. The monthly card's $1,068 total and the separate two-month upfront statement also need a written explanation before you rely on the $139 label.^{1 4}

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Is the monthly plan really month-to-month?

PeterMD's FAQ page states that all subscriptions can be canceled at any time, with one exception: TRT programs require at least a six-month commitment. That's on the same site that sells a plan labeled "1-Month Plan." Before you choose the monthly option to keep your exit open, get the minimum term for your specific offer in writing.

This is the finding that changes the math, so here are both statements side by side.

Both checked September 11, 2026.^{1 3}

The FAQ gives a clinical reason for it — multiple physician consultations in the first six months to review lab results and symptoms. That's PeterMD's explanation, not proof that a six-month financial commitment is medically required.³

If a six-month minimum applies to the $139 monthly plan, six payments would total $834 before labs or extras. That is $695 more than one $139 payment. The separate prepaid offers are $654 for six months and $948 for twelve months; none of these figures establishes your final bill.^{1 3}

We can't tell you which document governs the contract you'd sign, because we haven't seen that contract. What we can tell you is that the plan label does not settle the minimum term, and that's a question you ask before the charge, not after.

Here's the honest read on this

PeterMD's public pages do not establish a true walk-away-after-30-days plan. If a clean 30-day exit is your top priority, get a written answer before choosing the monthly offer. A monthly membership elsewhere also needs its own cancellation and medication-charge check.

But if you and your clinician have an ongoing treatment plan, prepaying may be a budget choice worth comparing. The annual offer has PeterMD's lowest advertised monthly rate, but you carry the risk of paying ahead if your care changes. That is a price-versus-flexibility trade—not a reason to commit medically to a year of treatment.^{1 8}

→ Need a clear exit before you commit? Copy the minimum-term and cancellation questions below before you pay for anything.

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Does Peter MD include blood work?

PeterMD lists blood work separately: its $95 starting panel and $124.50 follow-up panel are not a complete testing budget for every patient. Recent results may be accepted, but that does not make repeat diagnostic tests or future monitoring free.^{1 2 6}

The lab price list below comes from PeterMD's catalog and blood-work page. The larger panel counts are provider-advertised counts, not our independent count of distinct tests:^{5 7}

Sources checked September 11, 2026. PeterMD says blood work orders are non-refundable. These are menu prices, not a recommendation to order every panel.^{2 5 6 7}

Quick translations, because these acronyms matter to your wallet:

• Total testosterone — all the testosterone in your blood. Free testosterone — the small share not bound to proteins.¹²
• LH and FSH (luteinizing hormone, follicle-stimulating hormone) — signals from the brain that tell the testicles what to do. They help a clinician tell why testosterone is low.¹²
• PSA (prostate-specific antigen) — a prostate marker.
• CBC (complete blood count) — includes hematocrit, the percentage of your blood made of red cells. Testosterone can push it up, so it gets watched.^{12 13}

Worth noticing: a CBC is not listed in the $95 starting-panel title or description we checked. It is listed in the $124.50 follow-up panel. Ask how your baseline hematocrit and any other required safety tests will be checked and billed before treatment; do not assume those checks can wait for the follow-up panel.^{2 6 12}

The $152 difference between two lab pages

Two lab prices can look like the same choice when they are not.

PeterMD's main navigation has a "Blood Work" menu with two choices: Comprehensive Bloodwork and Blood Tests. The comprehensive page starts at $247; the separate Blood Tests catalog lists the $95 new-patient panel.^{5 7}

The $95 new-patient panel is not one of the three larger panels on the comprehensive page. It lives in the separate Blood Tests catalog.

Same company. Same site. Two lab pages. The price difference is $152, but the panels list different tests. That is not proof that the larger panel is unnecessary or that the $95 panel completes your workup.

Open both pages before you buy anything, then ask the clinician which tests you actually need. A lower panel price only helps if it covers the required tests.

How the lab step actually runs

From PeterMD's own product listing: after purchase, a lab requisition is emailed to you (the page says within 48–72 business hours), you get the draw done at an approved facility, and results typically take 5–7 business days to upload to the portal. The page also warns you to enter your correct legal name and date of birth at checkout or the requisition gets delayed.²

Those are provider-stated processing times, not a guaranteed date for a consultation or prescription. The blood-draw appointment adds another scheduling step.

Can you use bloodwork you already have?

PeterMD's TRT page says it may be able to use recent results you already have. If those results meet its requirements, you may avoid buying a new starting panel. That does not remove the cost of missing tests, repeat diagnostic testing, or later monitoring.¹

What the page doesn't say is how recent "recent" means, which markers must be on it, or whether there's a review fee. Ask all three before you assume you're covered. Also ask whether two separate early-morning testosterone measurements are already available and how any needed repeat test is priced.^{12 14}

→ Grab the seven questions we'd ask before paying — it's a short list you can copy into an email, further down this page. No signup, nothing to hand over.

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What does Peter MD cost for a full year?

The annual plan plus a $95 starting panel and one $124.50 follow-up panel adds up to $1,167.50. That is an illustrative subtotal—not a verified complete first-year bill—and the $1,043 plan-plus-starting-panel amount is not a verified same-day charge.^{1 2 6}

Here's the whole thing added up. We built this by summing published prices; we have not run a checkout.

Published component prices checked September 11, 2026. Totals are our arithmetic. Row D's renewal price, row E's unchanged rate, and the collection timing are assumptions—not verified contract terms. Row F adds one hCG offer, not a full year of hCG.^{1 2 4 5 6 7}

Two honest caveats about this table, because a number that looks precise can still mislead you:

One follow-up panel is an assumption, not a rule. We included one $124.50 follow-up because testosterone therapy involves ongoing monitoring and your clinician decides the schedule. Yours might need more. Don't read Path A as "the cheap way to do this"—it assumes accepted starting results and includes only one separately purchased follow-up panel.^{6 12}

Each additional panel at the listed follow-up price adds $124.50. For example, Path B with two follow-up panels is $1,292, still before any other required charges. These examples are not a minimum, a maximum, or a recommended testing schedule.

These paths cover the charges we could find prices for. If a clinician adds a repeat morning test to confirm a diagnosis, changes your protocol, or orders something outside the plan, that's another line. We'd rather show you a total with a visible gap than a tidy number that's quietly wrong.

What happens after the first year?

PeterMD's plan-card note says there is an "option to renew monthly after initial term." We did not find a clearly stated renewal price for that option in the pages checked.¹

We're not going to guess it. Ask for the renewal amount, the renewal interval, and the exact renewal date before you pay — and put that date in your calendar the same afternoon. You'll see why in the next section.

→ See PeterMD's current plan prices and terms — this is an unpaid link. We earn nothing from it.

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How do you know whether this is the right care route?

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.

→ Find My TRT Path — free, educational, and it does not diagnose anything or decide whether you qualify for treatment.

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What clinician access, refills, and records does the price cover?

PeterMD advertises provider access and free delivery, but those labels do not settle every service charge or refill step. Its public process includes a video consultation and a 90-day check-in. Ask for the visit, monitoring, medication-supply, and records terms that apply to your actual plan.^{1 10}

Provider-stated information checked September 11, 2026. We did not test response times, medication delivery, refill fulfillment, or a records request.^{1 2 3 6 10 11}

Keep billing questions separate from health records. Before sending identifying or medical information, ask which secure channel the provider wants you to use. Our Privacy Policy explains this site's practices; it is not a promise about PeterMD's systems.

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Can you get a refund from Peter MD? And how do you cancel?

PeterMD's policy says treatment purchases are final once medication is received, and lab orders are separately non-refundable. The policy also contains an eligible-refund process, so “no refunds under any circumstances” is too broad. To stop an auto-renewal, it requires email at least 48 hours before the renewal processing date.^{5 8}

Here's what the documents say:

These are PeterMD's published terms, checked September 11, 2026—not a determination that every clause is enforceable in every case.^{8 9}

Two different cancellation instructions

The FAQ page says: "you may cancel your membership at any time via the Member Account page."³

The Refund and Auto-Bill Policy says cancellation requires an email, at least 48 hours ahead, and says it will not accept requests inside that window.⁸

Those are not the same instruction. If you cancel in the portal and assume you're done, and the policy says it needed an email, you may be looking at another charge. Do not assume that canceling renewal also cancels an existing minimum commitment or creates a refund right.

Do both. Use the portal cancellation option described in the FAQ and send the email required by the policy, more than 48 hours out, and keep the reply. Ask for the effective cancellation date and written confirmation that renewal is off. Use the cancellation address shown in your agreement or PeterMD's current policy.^{3 8}

What this means in real life

Three scenarios, no drama:

1. You pay $948, then the clinician decides treatment isn't appropriate. Medication hasn't been received, so the main all-sales-final trigger has not been reached. The published pages do not clearly settle this situation. Get that answer in writing before you pay — it's question 3 on the list below.
2. You start and hate it in month three. On the 12-month plan, the remaining nine months are already paid for. Do not assume unused time will be refunded; ask how a clinician-directed change or transfer of care affects the prepaid term.
3. You want out at renewal. Calendar the renewal date minus three days, right now, and send the email then.

Do it the day you sign up, not the month you're leaving. A calendar reminder helps you act before the published renewal deadline.

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Is Peter MD available in my state?

PeterMD's injectable TRT page excludes Alabama and Idaho. Its lab listings separately exclude Alabama, Idaho, New York, and New Jersey. That lab restriction does not prove that a PeterMD clinician and pharmacy can provide treatment in New York or New Jersey.^{1 2 5 6}

Treatment access and lab access are two different things here, and mixing them up can cost you money.

Sources checked September 11, 2026: injectable TRT, Blood Tests catalog, initial-lab listing, and follow-up listing. The Minnesota split is between the initial-lab page and the other limited-access lists.^{1 2 5 6}

One caution worth stating plainly: a state not appearing on an exclusion list is not a guarantee that a licensed clinician, an approved lab, and a dispensing pharmacy are all available to you. Those are three separate access checks. Confirm all three.

→ Live in Alabama or Idaho? This PeterMD injectable offer is out. Use Find My TRT Path to compare care routes and prepare state-access questions—not to confirm a clinician's availability.

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What testosterone does Peter MD actually send you?

PeterMD describes this offer as injectable testosterone cypionate and names Absolute Pharmacy in Lutz, Florida, and Partell Pharmacy in Las Vegas, Nevada, in its Terms. That does not identify which pharmacy or exact product will fill your prescription. Whether it will be an FDA-approved manufactured product or a compounded preparation remains a question to settle before you spend $948.^{1 9}

Two terms, in plain English:

FDA-approved means the Food and Drug Administration reviewed that specific product for safety, effectiveness, and manufacturing quality before it went on the market. FDA-approved testosterone cypionate products exist, including Depo-Testosterone; naming the ingredient alone does not identify the product you will receive.^{13 15}

Compounded means a preparation is made by combining, mixing, or altering drug ingredients for a patient's needs. The FDA does not approve compounded drugs and does not review their safety, effectiveness, or quality before they're sold. Compounding can serve a legitimate medical need when applicable requirements are met, but it does not establish equivalence to an approved product.¹⁵

What's in the public record

PeterMD's Terms §23 discloses two pharmacies. We looked both up in FDA's own compounding enforcement records. FDA's current list identifies both as 503A facilities—a category used for certain patient-specific compounding—and lists later warning-letter closeouts that belong beside the historical concerns.^{9 16}

Sources: FDA's compounding-actions list and Partell warning letter, checked September 11, 2026. A Form 483 records inspection observations; the table does not establish current violations.^{16 17}

Read that fairly. Historical findings matter, and so do later closeouts. A closeout is not FDA approval of a drug or certification of a vial shipped in 2026; an old warning letter also does not prove that its findings remain unresolved today. We did not verify either pharmacy's current state-license or inspection status.^{16 17}

We include it because PeterMD names these two pharmacies itself, and the offer does not identify the exact testosterone product you would receive. A man about to prepay a year deserves a straight answer to a simple question.

There is also an address detail to clear up: PeterMD writes Partell's street as S. East Ave, while FDA's letter gives S. Eastern Avenue, Suite 101. Do not treat those as an exact address match. Ask for the dispensing location and current license details, not just a pharmacy name.^{9 17}

One more thing that doesn't line up

PeterMD's product pages describe medication as included and shipped to your door. But Terms §24 says: "Prescriptions are sent electronically to a pharmacy of the patient's choosing."⁹

Those statements do not explain whether the bundled price applies when you choose another pharmacy. If the prescription goes to your local pharmacy, who pays for the drug? Ask.

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Does Peter MD take insurance? Can I use HSA or FSA?

PeterMD presents its treatment plan as cash-pay and says its services, products, and medications are not covered by health insurance. Blood work is handled differently: it offers insurance-related lab requests for a $25 processing fee, but that fee does not establish your insurer's payment or your share of the lab bill.^{3 5}

This one needs untangling, because PeterMD's own FAQ page answers the identical question two ways.

Under Customer service, the question "Can I claim insurance for PeterMD treatment?" is answered:

"PeterMD services, products, and medications are not covered by health insurance policies."³

Under Payment, the same question appears again and is answered:

"All we require is a small $25 processing fee."³

That answer concerns lab requests, not the whole treatment plan. We did not verify the FAQ's separate claim that PeterMD is the only national clinic offering this option.

Both answers appear in PeterMD's FAQ, checked September 11, 2026.³

Read together, the reconciliation is straightforward and here's your actual answer:

Note what the $25 fee is and isn't. It's a fee PeterMD charges to process the request. It is not your insured cost of the lab — your plan's deductible, copay, and coverage rules still decide what you actually owe the lab.

On HSA and FSA: PeterMD says it accepts HSA/FSA cards and can provide documents for reimbursement requests. Card acceptance is not proof that every charge qualifies under your account's rules. Confirm the expense and required records with your account administrator, and ask PeterMD for an itemized receipt.¹⁰

The comparison to make before choosing cash-pay

If you have insurance and a primary care doctor or urologist who can evaluate you, price that care route too. Check the visit cost, required labs, your plan's drug list, deductible, copays, and pharmacy charges. The $1,167.50 example above is not a guaranteed PeterMD bill to beat, and coverage is not a guarantee that another care route costs less. Our TRT cost guide helps separate those categories.

You may still prefer online appointments or want a second clinical opinion after an unsatisfying visit. That is a reason to compare access and follow-up—not proof that testosterone is the right treatment. Compare online and local care on the parts that matter to you.

Just make the choice knowing the covered route exists.

→ Not sure whether insurance, a local clinician, or an online program fits your situation? Use Find My TRT Path to organize your care-route questions. It does not verify coverage or determine treatment eligibility.

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What about the hCG add-on offer — and "Oral TRT"?

PeterMD's public pages display an hCG add-on offer at $301, with $412 stated as the later price; the offer is for one vial, not a verified annual supply. PeterMD also labels enclomiphene as “Oral TRT,” but enclomiphene is not testosterone and is not testosterone replacement therapy.^{5 18 19}

The public offer reads: "This is the last time you'll see $301… $301 today. $412 if you add it later."

That's an $111 advertised difference presented as a now-or-never decision. We did not test whether the offer appears in an individual checkout or whether the later price would apply to you. Whatever you decide, decide it because you talked to a clinician about it — not because a timer-flavored headline said you had to.

Enclomiphene is not TRT

Enclomiphene is related to clomiphene citrate. It works by nudging your own body to make more testosterone, rather than adding testosterone from outside. Those are different treatments with different effects, different monitoring, and different fertility implications.¹⁹

Enclomiphene is not an FDA-approved testosterone product. FDA's published drug-application review documents an unsuccessful enclomiphene approval application; we did not identify a later FDA approval in the sources checked. Calling it "Oral TRT" blurs two things that need to stay separate — especially for anyone thinking about fertility. Clomiphene and enclomiphene are not interchangeable names, and approval of a clomiphene product does not approve a separate enclomiphene preparation.¹⁹

Is hCG itself FDA-approved?

FDA-approved hCG products exist. For example, Pregnyl is labeled for selected cases of male hypogonadotropic hypogonadism—low hormone production caused by inadequate pituitary signaling. That does not identify the product supplied by PeterMD or make an hCG add-on an approved guarantee of fertility during TRT. Ask for the brand or exact preparation, its supply duration, the clinical reason for it, and whether the proposed use is off-label, meaning outside that product's approved labeling.^{19 20}

Planning children in the next few years? Read this part twice

Testosterone taken from outside the body can suppress spermatogenesis — your body's production of sperm.^{12 13} PeterMD's own safety information lists "infertility or decreased sperm count" and "testicular shrinkage" among possible effects of TRT. Its hCG offer goes further and says that starting both together means “nothing shuts down.” That is not a fertility guarantee to rely on.^{10 12}

We're not going to tell you whether that works for you, whether anything is preserved, or what recovers on what timeline. No web page can promise an individual fertility outcome; an add-on does not replace a fertility-focused evaluation.¹²

The Endocrine Society's clinical practice guidance advises against starting testosterone therapy in men planning fertility in the near term. That's not a technicality. Bring up plans for children before choosing treatment, not after paying for it.¹²

→ If having children is on the table in the next few years, talk to a urologist or reproductive urologist before you buy any online program, including this one. Find My TRT Path helps you prepare care-route questions; our fertility guide explains the issues to raise.

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Is Peter MD legitimate? And what couldn't we check?

PeterMD has active public treatment pages, a published business address in Vero Beach, Florida, and two named pharmacies in its Terms. Those disclosures do not independently verify the clinician assigned to you, the product you receive, or clinical quality. Its advertised “4.9/5” and “20k+ Reviews” figures were not independently verified, and the Trustpilot profile for getpetermd.com currently says it has been removed.^{1 7 9 21}

Here's what the public Trustpilot profile showed when we checked it.

PeterMD's blood work page displays "4.9/5 — Based on 20k+ Reviews." Separately, the Trustpilot profile for getpetermd.com, checked September 11, 2026, returns:^{7 21}

"This profile has been removed. The business you're trying to find goes against our guidelines and is no longer visible on Trustpilot."²¹

We're reporting the status, not a theory about the reason. The notice does not establish a specific clinical, licensing, or billing violation.

What we decided to do about it — and why

We excluded all Trustpilot review content from this page. The glowing ones and the angry ones.

That's not us being delicate. It's that a removed profile can't be treated as reliable evidence in either direction. We're not using it to praise PeterMD and we're not using it to beat them up. The “4.9/5 from 20k+ reviews” badge still displayed on PeterMD's pages was not independently verified in these checks. The removed Trustpilot profile cannot substantiate it.^{7 21}

If that costs this page some drama, fine. We'd rather show you how we decide what counts.

Claims we couldn't verify at the source

Listed neutrally, because you'll see all of these on their site:

• "Trusted by 400K+ subscribers" and "Over 400,000 patients served" — provider-stated; no underlying patient-count dataset was verified.¹
• "4.9/5 based on 20k+ Reviews" — see above.
• The "As seen in" media logos — we didn't trace the underlying coverage.
• "FDA-regulated care providers" — this banner appears on the pages checked. It is not proof of a clinician's license or authority to prescribe. Physicians are licensed by state medical boards; DEA registration is federal, not a “state DEA license.” Ask for the assigned clinician's name and verify the relevant license through the state medical board. PeterMD's licensing statements remain provider-stated here.^{1 22 23}

These findings do not establish that PeterMD is a scam. They do mean that a marketing badge is not a substitute for a verifiable clinician, clear product information, and written payment terms. We did not verify a current LegitScript certification with its issuer.

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Could prescribing rules change before your prepaid year ends?

Testosterone is a Schedule III controlled substance in the United States and requires a valid prescription. The broad temporary federal telemedicine flexibility runs through December 31, 2026, subject to its conditions and other applicable rules. If you prepay twelve months in September and your care relies on that flexibility, your paid term extends beyond its current end date.^{23 24 25}

The specifics, from the primary source:

DEA and HHS issued a Fourth Temporary Extension of COVID-19 Telemedicine Flexibilities for Prescription of Controlled Medications, published in the Federal Register on December 31, 2025. It took effect January 1, 2026 and runs through December 31, 2026, amending 21 CFR 1307.41 and 42 CFR 12.1. It permits qualifying DEA-registered clinicians to prescribe Schedule II–V controlled substances through an audio-video telemedicine encounter without a prior in-person evaluation when its conditions and other applicable federal and state requirements are met.^{23 24}

The agencies issued this fourth extension to support continuity while further rules are developed. It does not guarantee an extension into 2027 or settle which requirements will apply to your care then.^{23 24}

And you're the one writing the check.

Why PeterMD's older FAQ does not settle the rule

PeterMD's FAQ page currently states: "As of May 11, 2023 the Ryan Haight Act was re-implemented meaning any patient receiving a controlled substance must be seen in person by a PeterMD physician or PeterMD referring physician first."³

That statement is out of date as a description of the federal rule. The federal flexibilities did not end in May 2023 — they were extended, repeatedly, and the current extension runs through the end of 2026.²⁴

We're not pointing this out to score a point. A reader could easily conclude something incorrect about their own access. Go by the DEA and Federal Register for the federal rule—but a state, clinician, or clinic may still require an in-person visit. Ask PeterMD whether one is required for you, who arranges it, and what it costs.^{23 24}

What to do with this: if you're buying a 12-month plan, ask what happens to your prescriptions and your prepayment if telemedicine prescribing rules change mid-term. It's a fair question. Any clinic worth $948 should have an answer.

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Do you actually have low testosterone?

Low testosterone isn't diagnosed from symptoms, from one blood draw, or from an online quiz. The Endocrine Society calls for compatible symptoms or signs and consistently low testosterone, confirmed with repeat early-morning fasting testing; free testosterone is assessed when indicated. A cutoff alone does not decide the diagnosis or whether treatment is appropriate.^{12 14}

A few things worth knowing before you spend anything:

One number is not a diagnosis. Testosterone varies with timing, health, and the testing method. That's why guidance calls for more than one early-morning fasting measurement, using a reliable assay. Don't let a single value — high or low — settle it. Our blood-tests guide explains the questions to ask, not how to diagnose yourself.^{12 14}

Why it's low changes what to do about it. That's what LH and FSH are for. A pituitary-signal problem and a testicle problem are different situations, and further testing or specialist care may be needed rather than a subscription.¹²

Some things need a fuller clinical evaluation before a subscription. Severe or unusual symptoms. A history of prostate or breast cancer. High hematocrit. Untreated severe sleep apnea. A recent heart attack or stroke. Concerns about the pituitary gland or testicles. Infertility. These deserve an appropriate clinician's review, with an in-person examination or specialist care when needed—not a price-led intake that skips the issue.¹²

If you've read this far and realized nobody has actually evaluated you yet, make the evaluation your next step. Paying for a plan does not establish that you need the treatment.

→ Find My TRT Path — it maps your situation to the right care route and the questions to ask. It's educational and non-diagnostic. It does not tell you whether you have low testosterone, decide if you qualify, or promise any prescription.

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What are the seven questions to ask before you pay?

This is the part you actually use. Copy it, paste it into an email, send it, and don't pay until you have answers in writing.

Before I pay, please send me an itemized quote for the plan I'm considering. Please include:

1. The exact amount charged today, and the exact date and amount of every charge for the next 12 months.
2. The minimum commitment for this specific plan. Your FAQ mentions a six-month TRT commitment — does that apply to the monthly plan?
3. What happens to my payment if my lab results mean treatment isn't appropriate for me.
4. Whether my testosterone cypionate is an FDA-approved product or a compounded preparation, and which pharmacy will fill it.
5. Which labs are required in the first 12 months, what each costs, and whether bloodwork I already have can be used instead. Please include any repeat morning testosterone test, baseline safety tests, follow-up panels, and outside-lab review or processing fees.
6. The exact steps and deadline to cancel — portal, email, or both — and where that's documented.
7. My renewal price, renewal date, and renewal interval after the initial term ends.

Two notes on using it.

If they answer all seven clearly, that tells you something good about the billing information you have. It does not prove clinical quality. You still need an appropriate evaluation and a clear care plan.

If they won't put the commitment or the renewal price in writing, that's your answer too. Don't argue with them about it. Just don't prepay.

→ Contact PeterMD with these questions. The page offers contact and consultation scheduling; it does not promise an instant quote.

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What else should you know about Peter MD cost?

The quick answers below separate published prices from charges that still need confirmation. None is a personal quote or a treatment-eligibility decision.

How much does Peter MD cost per month? $79 on the 12-month plan, $109 on the 6-month plan, and $139 on the plan labeled 1-month. The first two are billed upfront as single charges of $948 and $654. The monthly offer has conflicting billing details that need a written quote.^{1 4}

Is the $79 charged monthly? No. It's the per-month rate of a 12-month plan billed as one $948 payment.¹

Is the monthly plan really month-to-month? PeterMD's FAQ says TRT programs require at least a six-month commitment. Six payments at $139 would be $834 before labs, but the term and initial collection for your actual monthly offer need confirmation.^{1 3 4}

Does Peter MD include blood work? PeterMD lists starting labs at $95 and a follow-up panel at $124.50 as separate purchases. Recent bloodwork may replace a new starting panel if accepted; missing tests and later monitoring can still cost extra.^{1 2 6}

What's the total first-year cost? There is no verified universal first-year total. The annual plan plus a $95 starting panel and one $124.50 follow-up panel is a $1,167.50 illustrative subtotal. More testing, optional medication, or other required charges can add to it; the $1,043 starting subtotal is not a verified same-day bill.^{1 2 6}

Can I get a refund? The main policy says treatment sales are final once medication is received, and lab orders are non-refundable. But the policy also discusses eligible refunds without clearly defining every case. Get the clinical-ineligibility and unused-prepayment rules in writing.^{5 8}

How do I cancel Peter MD? The Refund and Auto-Bill Policy requires email at least 48 hours before the renewal processing date. The FAQ describes a Member Account cancellation option. Use both described channels and keep written confirmation; stopping renewal does not necessarily end a current minimum commitment.^{3 8}

What states does Peter MD serve? The injectable offer excludes Alabama and Idaho. Lab listings also exclude New York and New Jersey and flag limited access in other states. A state's absence from those lists does not confirm clinician or pharmacy access.^{1 2 5 6}

Does insurance cover Peter MD? PeterMD presents treatment as cash-pay. It offers insurance-related lab requests for a $25 processing fee, separate from what you owe the lab. It says it accepts HSA/FSA cards; confirm expense eligibility with your account administrator.^{3 5 10}

Is Peter MD's testosterone FDA-approved? The checked offer does not identify the exact dispensed product. A pharmacy's compounding status does not establish whether your prescription is compounded or an FDA-approved manufactured product. Ask for the product and pharmacy before paying.^{9 15 16}

What is the hCG add-on offer? The public pages display a one-vial offer at $301 and say it would cost $412 later. We did not test checkout eligibility or verify a full-year hCG cost. The decision needs a clinician's review, not an urgency headline.^{5 10}

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What did we actually verify?

This is a public-source cost guide, not a hands-on review. We checked the published statements below on September 11, 2026, recalculated the examples, and kept provider claims separate from clinical or regulatory facts.

Confirmed pricing statements: the three advertised monthly rates and two prepaid amounts; conflicting monthly-plan figures and the two-month upfront statement; the lab prices listed above; the public $301/$412 one-vial hCG offer; and the $25 processing fee.^{1 4 5 6 7}

Confirmed policy and access statements: six-month commitment language; the receipt-based all-sales-final wording, eligible-refund language, and 48-hour email cancellation rule; conflicting portal instructions; arbitration terms and exceptions; and source-specific state restrictions including the Minnesota split.^{2 3 5 6 8 9}

Confirmed public records: pharmacy names and historical FDA records with closeouts; the Trustpilot profile's removal notice; and the current federal extension's December 31, 2026 end date.^{9 16 17 21 24}

Provider-stated, not independently verified: delivery and access promises, the full contents of an individual plan, “400,000+” patient or subscriber figures, “4.9/5” and “20k+ Reviews,” media logos, and clinician-licensing claims.

We could not confirm: the exact testosterone or hCG product you would receive; the renewal price; which minimum-term document governs an individual agreement; the full first-year test schedule and charges; actual refill or support speed; each pharmacy's current license and inspection status; current LegitScript certification; or the specific reason Trustpilot removed the profile.

What we did not do: we did not buy anything, create an account, contact support, test the cancellation process, run a checkout, or audit a clinician's or pharmacy's license. This is a public-source cost guide, not a hands-on review, and we've called it that on purpose.

How we make money: TRT Provider Guide has affiliate relationships with some providers, including Male Excel and Taurus Meds. We earn nothing from PeterMD, and the PeterMD links in this article are ordinary source or contact links. We do not claim that either website is free of analytics or tracking. Read the affiliate disclosure.

Our full method is published: How We Review TRT Providers. It is not a numeric medical score. Our Editorial Standards and Corrections Policy explain how we handle evidence and changes.

Prices, access, and policies can change. A written offer for your situation matters more than a dated example when you are deciding what to pay.

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What should you compare if PeterMD isn't your fit?

A different payment model or care route may fit better if the PeterMD offer does not meet your needs. Compare the reason for the mismatch first, not another headline price.

Four things on this page disqualify real people, so here's where to go instead.

You're in Alabama or Idaho. PeterMD's published injectable offer excludes both. Start with Find My TRT Path to compare care routes, then confirm a clinician's actual availability in your state.¹

You won't prepay a term without clear exit rules. Male Excel is one membership-style model to compare—not an automatic winner. Its official page lists a $99/month medical membership, medication charges separately, and a $99 initial consultation. Its advertised package of testosterone injections and thyroid medication starts at another $120/month, billed every other month, plus shipping and handling; that makes $219/month in those recurring listed components, not $99 for complete TRT. Confirm testing, product status, payment dates, and cancellation terms before comparing your quote.²⁶

Male Excel's FAQ currently excludes 11 states: Alabama, Alaska, Arkansas, Connecticut, Hawaii, Idaho, Louisiana, Minnesota, Mississippi, New Hampshire, and Rhode Island.²⁷ Disclosure: Male Excel is an affiliate of TRT Provider Guide; we may earn a commission from qualifying referrals. Compare the care and payment models here.

You want an FDA-approved product, or you want insurance to pay. Choose a clinician and dispensing pharmacy that can address that requirement, whether care is online or local. Primary care or a urologist may be a useful starting point; ask about the exact product and your plan's covered-drug list. For a needle-free preference, compare treatment formats rather than assuming the injectable offer is your only choice.

You're trying to have kids. Urology or reproductive urology first. Not a subscription.

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Sources checked September 11, 2026

1. PeterMD, injectable TRT pricing and program page. Accessed September 11, 2026.

2. PeterMD, New Patient Labs product listing. Accessed September 11, 2026.

3. PeterMD, How It Works / service and payment FAQ. Accessed September 11, 2026.

4. PeterMD, Begin TRT pricing and FAQ. Accessed September 11, 2026.

5. PeterMD, Blood Tests catalog and public hCG offer. Accessed September 11, 2026.

6. PeterMD, Follow-Up Labs product listing. Accessed September 11, 2026.

7. PeterMD, Blood Work panel comparison. Accessed September 11, 2026.

8. PeterMD, Medical Refund and Auto-Bill Policy. Accessed September 11, 2026.

9. PeterMD, Terms and Conditions, especially sections 16, 17, 19, 23 and 24. Accessed September 11, 2026.

10. PeterMD, Contact Us, payment FAQ and public hCG offer. Accessed September 11, 2026.

11. PeterMD, HIPAA Privacy Policy. Accessed September 11, 2026.

12. Endocrine Society, Testosterone Therapy for Hypogonadism Guideline Resources (2018 guideline). Accessed September 11, 2026.

13. Pfizer, Depo-Testosterone (testosterone cypionate) prescribing information. Accessed September 11, 2026.

14. Endocrine Society, Statement on Testosterone Replacement Therapy, July 16, 2026. Accessed September 11, 2026.

15. FDA, Understanding the Risks of Compounded Drugs. Accessed September 11, 2026.

16. FDA, Compounding: Inspections, Recalls, and Other Actions; Absolute Pharmacy and One Way Drug / Partell entries. Accessed September 11, 2026.

17. FDA, One Way Drug LLC dba Partell Specialty Pharmacy warning letter, indexed March 13, 2019. Accessed September 11, 2026.

18. PeterMD, Enclomiphene page labeled Oral TRT. Accessed September 11, 2026.

19. FDA, presentations for the June 8, 2022 Pharmacy Compounding Advisory Committee meeting, enclomiphene review, PDF pages 16–49; drug applications on PDF page 39. Accessed September 11, 2026.

20. Organon, Pregnyl (chorionic gonadotropin) prescribing information, revised March 2025, indications on page 2. Accessed September 11, 2026.

21. Trustpilot, public profile for getpetermd.com; profile-removal notice. Accessed September 11, 2026.

22. Federation of State Medical Boards, Contact a State Medical Board. Accessed September 11, 2026.

23. DEA, DEA Extends Telemedicine Flexibilities to Ensure Continued Access to Care, December 31, 2025. Accessed September 11, 2026.

24. DEA and HHS, Fourth Temporary Extension of COVID-19 Telemedicine Flexibilities for Prescription of Controlled Medications, Federal Register, December 31, 2025; effective January 1–December 31, 2026. Accessed September 11, 2026.

25. DEA, Drug Scheduling; Schedule III includes testosterone. Accessed September 11, 2026.

26. Male Excel, Cost of Hormone Replacement Therapy. Accessed September 11, 2026.

27. Male Excel, Frequently Asked Questions, state exclusions. Accessed September 11, 2026.