Peter MD vs Defy Medical: Which Online TRT Clinic Fits You?
Who pays us: Peter MD and Defy Medical pay us nothing. Every link to them on this page is a plain link. We earn a commission from Male Excel, which appears once, further down, for one specific type of reader. Affiliate disclosure
Peter MD vs Defy Medical comes down to a lower published prepaid baseline versus longer visits and more treatment formats. Peter MD currently lists a 12-month injectable TRT product at $948 upfront, before separately listed lab charges. Defy Medical says its average male TRT patient pays under $175 a month in year one, but that is an estimate, not a quote. Defy also advertises extended one-hour consults and more testosterone formats.
That's the short answer. The surprise is that Peter MD currently shows several different public price frames: a $948 12-month product, a separate shop listing at $1,188, a newer TRT landing page saying treatment starts at $99 a month, and that same landing page showing a $1,568 average annual cost. Defy publishes an average instead of a fixed package price. We'll show you what can actually be verified before you pay.
The answer changes if any of these are true for you:
- Your low testosterone hasn't been confirmed with two early-morning blood tests plus symptoms or signs.
- You might want children in the near future.
- You live in a state where either provider or its lab vendor has restrictions.
- You want a specific FDA-approved testosterone product rather than whatever a clinic's program supplies.
- You can't afford to lose money if treatment doesn't work out or you change your mind.
Peter MD vs Defy Medical at a glance
TRT Provider Guide is the independent decision resource for testosterone replacement therapy — helping U.S. adults understand how low testosterone is evaluated, compare online and local care models and providers, and choose the next step that fits their health needs, fertility plans, budget, state, and care preferences, with every material claim verified and dated.
What we actually verified
Checked on: October 8, 2026
Sources we read:
- Peter MD: current TRT product listings, Step 1 lab listing, How It Works FAQ, Refund and Auto-Bill Policy, Terms and Conditions, and its current TRT landing page.
- Defy Medical: current TRT cost FAQ, TRT service page, patient-requirements FAQ, Terms of Service effective April 2, 2026, TestDefy lab pages, and current help-center material.
- Reviews: Trustpilot profiles for both domains.
- Medical and legal: American Urological Association guidance, Endocrine Society guidance, FDA compounding and testosterone information, DEA scheduling information, AUA/ASRM fertility guidance, and the current HHS/DEA telemedicine extension.
Confirmed from those documents: the public prices quoted below, Peter MD's lab-state restrictions, Defy's physical-exam and follow-up requirements, the stated refund rules, the public treatment-format choices, and the federal telemedicine extension through December 31, 2026.
Provider-stated items we could not independently test: consult length, "unlimited provider access," how quickly appointments or refills are completed, and either provider's marketing claims about outcomes or patient volume.
What we could not turn into one exact number: Defy's patient-specific first-year total and Peter MD's single authoritative "all-in" annual price, because Peter MD currently displays conflicting price frames across public pages.
What we didn't do: We didn't enroll, buy medicine, or see a clinician at either company. This is a comparison built from public documents, not a hands-on review.
This page is educational information, not medical advice. If you have chest pain, trouble breathing, signs of a stroke, or another possible medical emergency, call 911 or seek emergency care.
Peter MD vs Defy Medical: what does a year actually cost?
Peter MD has the lower currently listed prepaid baseline, but its public pages do not support one clean all-in annual price. The direct 12-month TRT product is $948, while a newer TRT landing page says treatment starts at $99 a month and shows a $1,568 average annual cost. Defy's current FAQ says the average male TRT patient spends under $175 a month in year one, but calls that figure illustrative and not a price guarantee.
The year-one cost ledger
How we did the Peter MD math:
- 12-month product + Step 1 panel + one listed follow-up panel: $948 + $95 + $124.50 = $1,167.50.
- With two listed follow-up panels: $948 + $95 + (2 × $124.50) = $1,292.
- Monthly product through 12 months: $278 + (10 × $139) = $1,668 before labs.
- Monthly product + Step 1 panel + two listed follow-up panels: $1,668 + $95 + $249 = $2,012.
These are component calculations, not promises about what your clinician will require. Lab frequency and medication needs can differ by patient.
Why Peter MD's price needs a closer look
Peter MD currently presents more than one public price frame:
- Its direct 12-month product page lists $948 paid in full.
- A separate public shop page has displayed the 12-month item at $1,188.
- A current TRT landing page says treatment is "starting at $99 per month."
- That same landing page lists $1,568 as Peter MD's "Average Annual Cost."
- The 2-month-upfront-then-monthly product is $278 upfront, followed by $139 monthly.
- The 6-month paid-in-full product page lists $714 and was marked out of stock when checked.
Those figures are not interchangeable. The safest way to use them is to treat the exact product page and checkout total as the price for the option you're actually buying, then add any labs or other required services shown for your case.
What Defy's published estimate actually means
Defy's current TRT cost FAQ says the average male patient spends under $175 a month in the first year. It says that calculation includes testosterone, a weekly aromatase inhibitor, lab work, and consultations. It also says the figure is illustrative, can vary with the patient's plan, and is not a price guarantee.
Defy does not publish one fixed TRT package. That makes it harder to compare before intake, but it also means you are not buying a preset annual subscription.
The tradeoff, honestly
Peter MD does not give you one perfectly reconciled public annual price, and its lowest 12-month number requires paying $948 upfront. If you need every dollar nailed down before you commit, that is a real weakness.
But the direct 12-month product is still a lower published baseline than Defy's own under-$175-per-month first-year average. If your low testosterone is already properly evaluated, you want injectable testosterone, and the prepaid model fits your budget, Peter MD deserves the first quote. If you value longer consults, more treatment formats, and a pay-per-service model more than the lowest listed baseline, Defy is the stronger fit.
If a prepaid injectable plan fits what you're looking for, see Peter MD's current TRT product and confirm the exact checkout total, labs, state availability, and cancellation terms before you pay. → See Peter MD's current TRT plans Plain link. We earn nothing from Peter MD.
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 is educational. It does not diagnose low testosterone, decide eligibility, clear contraindications, or guarantee a prescription.
Which one should you pick? Find your row
The right choice depends on what you're trying to avoid. Start with Peter MD if your priority is a lower published injectable-program baseline. Start with Defy if your priority is a longer first consult, more treatment-format choices, or paying by service. If diagnosis, fertility, insurance, or a complex medical history is the real issue, neither comparison should override the right specialist.
How do Peter MD and Defy Medical test you before prescribing?
Both require lab information before treatment, but neither public workflow should be treated as a substitute for guideline-based diagnosis. Peter MD lists a $95 Step 1 panel. Defy requires a comprehensive new-patient panel, a recent physical exam, paperwork, and an initial consultation. The AUA says testosterone deficiency is diagnosed only when compatible symptoms or signs are present with consistently low testosterone confirmed on two separate early-morning tests.
What the guidelines actually say
Low testosterone — often called testosterone deficiency or male hypogonadism — is not diagnosed from symptoms alone or from one blood test. The American Urological Association says diagnosis should be made only after two total testosterone measurements on separate days, both in the early morning, and only when low levels occur with symptoms or signs. The AUA uses below 300 ng/dL as a reasonable cutoff in support of the diagnosis, not as a stand-alone universal diagnosis. (AUA guideline)
The Endocrine Society also emphasizes repeat early-morning testing and the quality of the testosterone assay. Its 2026 statement says diagnosis should be made by a healthcare provider based on at least two early-morning fasting testosterone tests. (Endocrine Society statement)
What each company's public process shows
Two things worth knowing before you book
The clinic's treatment philosophy is not the same thing as the diagnostic standard. Peter MD describes hormone "optimization," while Defy's terms allow individualized hormone treatment based on a clinician's diagnosis and treatment plan. Neither company's marketing language changes the guideline requirement to diagnose testosterone deficiency from symptoms or signs plus consistently low, appropriately repeated testosterone measurements.
Defy's physical-exam requirement is real. Defy requires a recently completed physical exam before starting and its April 2026 terms require a valid signed physical-exam form at least once every 24 months unless a Defy provider documents something different in the treatment plan.
Only had one test, or none? Don't let a provider comparison answer a diagnosis question. → Map your next step with Find My TRT Path
What testosterone would you actually get?
Defy publicly offers more testosterone formats and shows access to both commercial and compounded products. Peter MD's public TRT product names testosterone cypionate but does not identify the exact manufacturer or say whether the dispensed product is FDA-approved or compounded. Ask for the exact drug, manufacturer or compounder, pharmacy, strength, and formulation before paying.
FDA-approved vs. compounded, in plain words
An FDA-approved drug has gone through FDA review for safety, effectiveness, quality, and labeling for its approved use. A compounded drug is prepared for a patient by a pharmacy or other permitted compounder. Compounded drugs are not FDA-approved, which means FDA does not review them before marketing for safety, effectiveness, or quality. (FDA)
Compounding can serve a legitimate medical need when an FDA-approved product does not meet a patient's needs. But a compounded testosterone product should not be described as FDA-approved, generic, or equivalent to an approved product.
Testosterone is a Schedule III controlled substance in the United States and requires a valid prescription. (DEA)
Peter MD's "Oral TRT" isn't testosterone
Peter MD markets an enclomiphene option under "Oral TRT." Enclomiphene is not testosterone. It is a selective estrogen receptor modulator, or SERM, that changes signaling in the hypothalamic-pituitary-gonadal axis.
FDA materials state that there is no FDA-approved drug containing enclomiphene in the United States. (FDA) That matters because FDA-approved oral testosterone products do exist, but enclomiphene is a different drug and should not be mixed into a direct injectable-TRT price comparison.
Ask both companies before you pay: "What exact product would I receive, who manufactures or compounds it, which pharmacy dispenses it, and is the finished product FDA-approved or compounded?"
Can you get your money back or leave?
Peter MD's treatment refund policy is strict, and Defy's model avoids a long subscription but still has non-refundable services and medication. Peter MD says treatment sales are final once medication is received and requires cancellation of auto-renewal at least 48 hours before renewal. Defy's terms say sales are generally final, while unused lab orders may qualify for credit or refund before the specimen is submitted under the applicable purchase-channel rules.
The first-dollar risk map
The fine print that trips people up
Peter MD's monthly product is not proof of a no-commitment plan. The product page says "$278" for the first two months and then monthly, while Peter MD's FAQ separately says TRT programs require at least a six-month commitment. If you choose that product, get the minimum payment obligation in writing before you buy.
Defy's lab refund rule depends on where you buy. Defy's main Terms say unused lab orders may receive store credit, minus a processing fee, before specimen collection. TestDefy says an unused lab order can be refunded for up to 90 days after purchase if the test has not been taken. Use the rule tied to the channel where you actually purchased.
"Cancel" and "refund" aren't the same thing. Cancelling can stop a future renewal or service. It does not automatically return money already paid.
If neither payment model sits right with you
Some readers get to this point and realize the problem. They don't want Peter MD's prepaid model, and they don't want Defy's unitemized patient-specific fees either.
There's a third model for that reader. Disclosure: we earn a commission if you start care with Male Excel through the link below.
Male Excel is not the low-price winner here. Its current published structure is a $99 starting lab/consult step, a $99 monthly medical membership, and testosterone medication starting at $120 a month for the injectable option, plus shipping and handling. Medication is billed separately and the exact amount can vary with the prescription. Male Excel says there is no contract and patients can cancel anytime. It also publishes a membership-fee guarantee with conditions after 90 days.
Male Excel also says it does not prescribe hormone treatment in Alabama, Alaska, Arkansas, Connecticut, Hawaii, Idaho, Louisiana, Minnesota, Mississippi, New Hampshire, or Rhode Island.
What the higher published baseline buys, according to Male Excel:
- Month-to-month membership with no contract.
- Ongoing provider access and structured follow-ups.
- Published starting medication pricing.
- A written guarantee covering membership fees when its stated conditions are met.
- Injections and topical testosterone options.
Want a published month-to-month model instead of Peter MD's prepaid product or Defy's pay-per-service setup? Review Male Excel's current pricing, state coverage, and guarantee terms before you start its assessment. → See Male Excel's current pricing Affiliate link. We may earn a commission. Read the guarantee conditions and confirm the medication, shipping, lab, and membership total before relying on a monthly figure.
How much time do you actually get with a clinician?
Defy clearly publishes the stronger visit-length promise: extended consults of up to an hour. Peter MD lists physician consults and "unlimited provider access" with its TRT products but does not publish a standard visit length on the pages we verified. If face time is a deciding factor, that difference is meaningful.
Clinician licensing. Peter MD says its physicians have the licenses and DEA registrations needed to prescribe where they treat patients. Defy says its providers are licensed healthcare professionals and identifies Dr. Justin Saya as lead practicing physician and medical director. Those company-level statements do not replace checking the specific clinician you are assigned. You can verify a clinician through the relevant state licensing board.
What independent reviews can and cannot tell you
Defy had a 4.8 Trustpilot score from roughly 4,100 reviews when checked, and Trustpilot says Defy invites customers to review. Recent reviews were mostly positive, with some complaints about scheduling or medication delays.
Peter MD's Trustpilot profile for getpetermd.com is removed. Trustpilot states that the profile "goes against our guidelines" but does not identify the specific violation on the removed-profile page.
Those are customer-experience signals, not proof of medical quality, safety, or treatment effectiveness.
If an extended consultation matters more than the lowest published baseline, see Defy's new-patient steps and ask for the current consultation and lab fees before you pay. → See how to get started with Defy Medical Plain link. We earn nothing from Defy.
Can you trust Peter MD and Defy Medical?
Both are real operating telehealth businesses with public terms, named contacts, clinical onboarding, and prescription-treatment disclosures, but each has transparency gaps. Peter MD's biggest problem on this comparison is conflicting public price presentation. Defy's biggest problem is that a reader cannot calculate one exact patient-specific first-year total from public pages alone.
What "profile removed" means — and what it doesn't
Trustpilot's page for getpetermd.com says the profile has been removed because the business "goes against our guidelines." Trustpilot does not state the specific reason on that page.
That is not proof of a medical problem. It is a reason not to treat Trustpilot as an available independent review record for the getpetermd.com domain.
Other claims to read carefully
"FDA-regulated care providers." Peter MD uses this phrase on its site. FDA regulates drugs and medical products; healthcare professionals are licensed primarily through state professional boards. Do not interpret the badge as FDA approval of an individual clinician or clinic.
The hCG checkout message is too certain. Peter MD's checkout has used language saying that if hCG is started with TRT, "nothing shuts down." That is a marketing claim, not a fertility guarantee. Exogenous testosterone can suppress sperm production, and no online clinic can promise that an add-on will preserve fertility for every patient.
Insurance language conflicts on Peter MD's own site. One FAQ answer says Peter MD services, products, and medications are not covered by health insurance. Another says patients can use insurance for lab work with a $25 processing fee. Those statements can coexist only if "treatment" and "lab reimbursement" are kept separate, so confirm the exact process with your plan.
Each company's own pages, side by side
Which is better if you might want kids?
Neither should be your first stop if near-term fertility is a priority. Exogenous testosterone can suppress sperm production. The AUA/ASRM male infertility guideline says testosterone monotherapy should not be prescribed to a man interested in current or future fertility. A reproductive urologist or fertility-aware urologist is the better starting point.
Your brain normally sends hormonal signals that support testosterone production and sperm production in the testicles. Exogenous testosterone can suppress that signaling and reduce sperm production. (AUA/ASRM male infertility guideline)
hCG may be used by clinicians in some fertility-related situations, and the AUA/ASRM guideline lists hCG and SERMs among options that clinicians may use in certain infertile men with low serum testosterone. That is not the same as saying hCG guarantees fertility preservation during TRT.
- Peter MD sells hCG as an add-on and has used the phrase "nothing shuts down" in checkout marketing. Do not treat that as a medical guarantee.
- Defy discusses hCG as a possible supplemental medication in TRT care. Do not assume it will preserve fertility for you.
Questions to ask before you start, at either company:
- Do my fertility plans change whether testosterone is appropriate?
- Should I get a semen analysis before treatment?
- If fertility matters now or soon, should I see a reproductive urologist first?
- If a non-testosterone option is discussed, what is its FDA approval status and why is it being considered for me?
Fertility on your mind? Don't force this into a general online-TRT decision. → Use Find My TRT Path
States, insurance, and the December 31 telehealth deadline
State access depends on the service, prescriber, lab, and pharmacy, so do not treat a lab-state list as a treatment-state list. Peter MD's $95 Step 1 lab order is unavailable in Alabama, Idaho, New York, and New Jersey, with limited availability in several other states. Defy's public on-demand TestDefy service excludes New York, New Jersey, Pennsylvania, Rhode Island, and Massachusetts. The current federal telemedicine flexibilities for controlled-substance prescribing run through December 31, 2026, subject to state law.
State limits we verified
A lab-store restriction is not the same as a ban on treatment. The provider may have another lawful lab path, or it may not. Ask before you pay.
Insurance and HSA/FSA
Defy's terms say it does not accept insurance of any kind. It can provide a detailed superbill or receipt that you may submit to your insurer for possible out-of-network reimbursement, without any guarantee of payment.
Peter MD says its treatment services, products, and medications are not covered by insurance, while another FAQ answer says insurance can be used for lab work with a $25 processing fee. Treat those as separate questions and confirm the process with your insurer or plan administrator.
If insurance coverage is the main goal, a local primary-care doctor, urologist, or endocrinologist who bills your plan may be the better starting care route.
The telehealth deadline
HHS and DEA extended the temporary federal telemedicine flexibilities for prescribing controlled medications through December 31, 2026. Those flexibilities can allow a DEA-registered clinician to prescribe controlled medication through telemedicine without a prior in-person visit when the federal conditions are met, but state law and the clinician's authority still apply. (HHS/DEA extension)
Testosterone is Schedule III, so this matters to online TRT. The rule can change again before a prepaid plan ends.
Ask both companies: "If federal or state telemedicine rules change during my plan, what happens to my prescription, required exam, and any money I prepaid?"
Can you switch from one to the other?
Yes, but the new clinician still has to evaluate you and decide what records, labs, physical exam, and prescription information are acceptable. Get your records first, then ask the new clinic exactly what it needs. Do not assume a prescription or dosing plan transfers automatically, and do not stop or change testosterone on your own.
- Ask for your records and lab reports from your current clinic.
- Find out what the new clinic will accept. Ask about recent labs, a physical exam, and your current prescription details.
- Time it against any prepaid or renewal period. If you're on a Peter MD product, know the renewal date and cancellation rules.
- Ask the new clinic about refill timing before you run out.
- Let the new clinician interpret trends. Different laboratories and assay methods can produce different results.
For the full process, see our guide on how to switch TRT providers.
How we compared Peter MD and Defy Medical
We read both companies' pricing, lab, refund, treatment, and legal pages on October 8, 2026 and checked medical and controlled-substance claims against authoritative sources. We recalculated the Peter MD component totals ourselves and did not turn Defy's illustrative average into a guaranteed bill.
This page follows our published method, How We Review TRT Providers. In short:
- We add up complete cost where the public data allows it. We separate a product price from labs, consultation fees, physical-exam costs, shipping, and other required items.
- We separate verified facts from provider-stated facts. A promise on a provider's website is labeled as the provider's claim unless it can be independently confirmed.
- We keep customer-experience signals separate from medical claims. Reviews can tell you about scheduling, support, or billing experiences; they cannot prove safety or efficacy.
- We don't give star ratings or medical scores. We match providers to specific reader priorities using dated facts.
- We say what we didn't do. We didn't enroll, buy medicine, or test the support teams.
- We disclose money. Neither Peter MD nor Defy pays us. Male Excel does, and we disclosed that above its affiliate link.
Prices and policies change. We update "Last verified" only after a real re-check. Spot something out of date? Tell us through our corrections process.
Peter MD vs Defy Medical: frequently asked questions
Is Peter MD cheaper than Defy Medical?
Peter MD has the lower currently listed prepaid baseline: its direct 12-month TRT product is $948 before separately listed labs. Defy's current FAQ says its average male TRT patient spends under $175 a month in year one, but that is an illustrative average, not a quote. Because Peter MD currently shows conflicting price frames on other public pages, confirm the checkout total before calling either option definitively cheaper for your case.
Is Peter MD's monthly plan really month to month?
Not in the ordinary no-commitment sense. The product page charges $278 for the first two months and then $139 monthly, while Peter MD's FAQ says TRT programs require at least a six-month commitment. Get the minimum payment obligation in writing before you order.
Are labs included in Peter MD's 12-month price?
The $948 12-month product page lists testosterone cypionate, an aromatase inhibitor, supplies, shipping, and physician consults. Peter MD separately lists Step 1 labs at $95 and a follow-up panel at $124.50. Confirm which lab orders your clinician will actually require before treating a component subtotal as your total cost.
How much is Defy Medical's consultation?
Defy does not publish one public consultation fee on the pages we could verify for this audit. Its current TRT cost FAQ says consultations are included in its under-$175-per-month average calculation, but that calculation is illustrative and not a price guarantee. Ask for the initial and follow-up consultation fees before you buy labs.
Do I need my own doctor to use Defy Medical?
You need a recent physical exam on file to start. Defy's patient-requirements page says the exam must have been completed within the prior six months, and its April 2026 terms require a signed physical-exam form at least once every 24 months unless the treatment plan says otherwise.
Which is better for testosterone cream or pellets?
Defy. Its current TRT page lists injections, topical testosterone, pellets, and nasal gel. Peter MD's public TRT products we verified center on injectable testosterone cypionate.
Is Peter MD's testosterone compounded?
The public TRT product page we verified does not say. Peter MD's terms name Absolute Pharmacy and Partell Pharmacy, but that alone does not tell you the exact finished product you would receive. Ask for the manufacturer or compounder and whether the finished drug is FDA-approved.
Can I get a refund from either company?
Do not count on a medication refund. Peter MD says treatment sales are final once medication is received, and its Step 1 lab order is non-refundable. Defy's terms generally make sales final, while unused lab orders can qualify for credit or refund before specimen collection under the applicable rules.
Why is Peter MD's Trustpilot profile removed?
Trustpilot's page for getpetermd.com says the profile was removed because the business goes against Trustpilot's guidelines, but it does not state the specific reason on that page. That is not evidence about the medical quality of Peter MD's care; it means that particular Trustpilot profile is not available as an independent review record.
Is enclomiphene the same as TRT?
No. Enclomiphene is not testosterone. It is a SERM that changes hormonal signaling, and FDA materials state that there is no FDA-approved enclomiphene drug in the United States.
Defy Medical vs Peter MD: which is better if I want kids?
Neither should be the default first step if near-term fertility matters. AUA/ASRM guidance says testosterone monotherapy should not be prescribed to a man interested in current or future fertility. Start with a reproductive urologist or fertility-aware specialist and discuss whether testosterone or another approach fits your goals.
Does either guarantee a prescription?
No. Testosterone requires a valid prescription, and a licensed clinician must decide whether treatment is appropriate. A symptom quiz, one testosterone result, or an online intake does not guarantee a prescription.
Keep comparing
- Peter MD cost: every plan and fee
- Peter MD reviews
- Peter MD alternatives
- Defy Medical TRT cost
- Defy Medical TRT reviews
- How to switch TRT providers
- Online vs local TRT care
- TRT cost guide
- TRT safety and risks
Still not sure which TRT care route fits you? Use our free Find My TRT Path tool.
TRT Provider Guide is an independent publisher, not a clinic, pharmacy, laboratory, drug manufacturer, insurer, or medical practice. This page is general education, not medical advice. Don't start, stop, or change testosterone without a licensed clinician. Prices and policies were checked October 8, 2026 and can change; confirm them with each provider before you pay.
Sources: Peter MD 12-month TRT product · Peter MD monthly TRT product · Peter MD Step 1 Labs · Peter MD How It Works · Peter MD Refund and Auto-Bill Policy · Peter MD Terms · Peter MD current TRT landing page · Defy TRT cost FAQ · Defy TRT page · Defy patient requirements · Defy Terms of Service · TestDefy follow-up panel · TestDefy FAQ · Trustpilot: Defy Medical · Trustpilot: Peter MD · Male Excel pricing · Male Excel FAQ · Male Excel guarantee terms · AUA testosterone guideline · Endocrine Society 2026 testosterone statement · AUA/ASRM male infertility guideline · FDA compounded-drug risks · FDA testosterone labeling changes · DEA drug scheduling · HHS/DEA 2026 telemedicine extension