Peter MD vs TRT Nation: Which Online TRT Costs Less — and Which Fits You?
Peter MD vs TRT Nation comes down to upfront cost and commitment. PeterMD's annual plan has the lower advertised base price at $948 prepaid. TRT Nation lists a 2.5-month minimum at $99.99 per month. Testing and payment terms change the full bill; fertility or insurance needs may change the care route.
That's the money answer. But money is only half of this decision.
Their published lab-panel lists leave different questions unanswered. Their refund and cancellation wording needs to be read across more than one page. And TRT Nation's state lists disagree about North Dakota. We'll show you all of it, with the math, so you can pick the right one (or neither) in about ten minutes.
TRT Nation is likely the better fit if:
- You prefer a 2.5-month purchase block to six-month or annual prepayment, with refills you request yourself.
- You're not sure you'll still be on the program in five or six months.
- You live in Idaho, where PeterMD excludes TRT, and TRT Nation confirms it can serve you.
- You want a blood count (CBC) included in your first lab panel.
PeterMD is likely the better fit if:
- You're already stable on TRT and confident you'll stay a full year.
- You can prepay $948 and want the lower advertised annual base price of the two.
- You live in Alaska, Arkansas, Hawaii, Missouri or North Dakota, which TRT Nation's homepage excludes, and PeterMD confirms your treatment and lab arrangements.
- You prefer PeterMD's explicitly stated video-visit requirement; confirm TRT Nation's first-visit format.
Choose the care route before the price if: you're trying to have kids soon, nobody has confirmed your low testosterone with repeat morning blood tests, you need insurance or a specific FDA-approved product, or you want needle-free testosterone. Both providers' published TRT lists exclude Alabama. This comparison covers their basic injectable offers for adult men being evaluated or treated for testosterone deficiency.
Who pays us: We have no affiliate relationship with PeterMD or TRT Nation. We earn nothing if you sign up with either one, and every link to them on this page is an ordinary, unpaid link. TRT Provider Guide has affiliate relationships with Hone Health and Male Excel and may earn commissions through paid links. They appear in the state table and the clearly labeled "If neither fits" section near the end. Read our affiliate disclosure.
Peter MD vs TRT Nation: What are the key differences?
PeterMD's annual offer trades a lower advertised base rate for a larger upfront payment. TRT Nation offers shorter purchase blocks, while both providers list separate lab charges and terms to confirm.
Published terms: PeterMD plans, monthly entry, initial labs, follow-up labs, TRT Nation plans and intake terms. Checked October 7, 2026. Subtotals are our calculations; assumptions are 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. Testosterone is a Schedule III controlled substance and needs a valid prescription. For chest pain, trouble breathing or other urgent symptoms, call 911.
What's the real difference between Peter MD and TRT Nation?
PeterMD and TRT Nation both list injectable testosterone cypionate, but that does not identify the exact product you'll receive. Their billing differs: PeterMD offers six-month and annual prepayment, while TRT Nation lists a 2.5-month minimum purchase. The full comparison also depends on testing, payment dates and exit terms.
Both companies advertise the basic injectable offers for roughly $80 to $140 a month on paper. PeterMD rewards you for paying months in advance, while TRT Nation sells shorter purchase blocks. Its purchase policy requires you to request each refill; a separate provider article also advertises no autopay.
Most comparisons stop at "$79 vs $99.99." That's the wrong fight.
$79 is PeterMD's rate if you pay for a full year on day one. $99.99 is TRT Nation's rate, but you can't buy just one month — the smallest testosterone order is 2.5 months. So neither number is what leaves your bank account.
Here's the honest catch with PeterMD, because it's the thing most people trip on:
PeterMD's lowest rate requires a long prepayment. Its lowest rate needs $948 upfront. Its smaller-entry option costs $139 a month, and its own FAQ says TRT programs need at least a six-month commitment. Monthly billing and a longer commitment can coexist; get the term for your exact plan in writing. If shorter purchases than six-month or annual prepayment are your priority, investigate TRT Nation — see TRT Nation's full cost breakdown. PeterMD's annual offer has the lower advertised base price. In the five-purchase, three-panel illustration below, its subtotal is about $345 lower; required tests and actual purchases can change that difference.
These advertised offers use direct payment. TRT Nation's intake requires men to be at least 24; we did not establish PeterMD's clinical minimum age. Neither is a substitute for a proper diagnosis. That last part matters more than either price:
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.
Not sure you're ready to pick either one? Map the care route that fits your situation → It's free and educational. It doesn't diagnose anything or decide whether you qualify for treatment.
How much do Peter MD and TRT Nation ask you to pay upfront?
TRT Nation's base offer plus one $129 panel works out to about $379; PeterMD's annual plan plus its $95 panel totals $1,043. PeterMD's monthly entry plus that panel totals $373, but its FAQ describes a six-month TRT minimum. These are component estimates, with the exact payment timing, full testing bill and applicable agreement still to confirm.
What PeterMD charges
The monthly product listing includes the medication, supplies, shipping and physician consults. An aromatase inhibitor (an estrogen-lowering drug) is listed as "if needed."
Two PeterMD extras worth knowing:
- Price match: PeterMD advertises 20% off if you find a better price. We found no detailed qualifying or calculation terms on the reviewed offer page. If you want to use it against TRT Nation's $99.99, ask in writing first. PeterMD price-match offer.
- Veterans and first responders: PeterMD's contact page describes a "BEARIT" program — no cost for the first three months, then $77 a month — for people who've served in uniform and may be facing financial hardship. Ask whether you qualify before choosing a regular plan. PeterMD BEARIT information.
What TRT Nation charges
The package lists testosterone cypionate, anastrozole, intramuscular syringes, a provider consultation, ongoing support and standard shipping. No separate membership charge is listed in the reviewed base offer. TRT Nation intake.
The multiplication is $99.99 × 2.5 = $249.975, so we use approximately $250 in illustrations. Your checkout total is the number that counts.
About the limited-time offers. TRT Nation advertises a 20% first-order promotion with 24-hour language, limited to new patients buying treatment and bloodwork together. PeterMD showed an hCG add-on with "the last time you'll see $301." We did not verify when either promotion would end. Your treatment plan shouldn't be decided by one. TRT Nation offer terms; PeterMD hCG offers.
Want the full line-by-line breakdowns? See our Peter MD cost guide and TRT Nation cost guide.
Which is cheaper over a year? Compare the quoted costs
PeterMD's annual plan has the lower advertised base price, but a complete first-year comparison needs the actual payment and testing plan. The figures below show named cost scenarios for PeterMD and TRT Nation; they do not establish a guaranteed saving.
We built this table so you can find your own answer. Start with your plan, then add the charges that have not yet been quoted.
Known program and lab components — not complete personal quotes
Sources: PeterMD plans, monthly entry, starter panel, follow-up panel, TRT Nation pricing and lab orders. Prices checked October 7, 2026; arithmetic is ours.
How we calculated it:
- List prices, with no promotions.
- The comparison assumes one starting panel and two follow-up panel purchases at each company's listed rates: PeterMD $95 then $124.50 twice, TRT Nation $129 three times. This is an assumed panel count, not a verified shared clinical schedule or a complete diagnostic work-up.
- TRT Nation's five-purchase example is 5 × $250 + 3 × $129 = $1,637. Six purchases produce $1,887. We use rounded $250 inputs for illustration; the actual invoice is needed for exact cents.
- PeterMD's annual example is $948 + $95 + 2 × $124.50 = $1,292. Its monthly example is 12 × $139 + $95 + 2 × $124.50 = $2,012; this does not establish how many charges fall within an actual 365-day cash window.
- PeterMD offers the option to renew monthly after a prepaid term but does not publish that renewal price on the inspected cards. The two-six-month-purchase example is conditional, not a promise that renewal will be offered at $654.
- Your clinician sets your real lab schedule.
Keep two clocks separate. For a cash budget, list new required pre-enrollment costs separately, then every payment from the first program-payment date through the next 364 days. For treatment coverage, list when the prescribed supply starts and how long it lasts. Payment, evaluation, dispensing and the start of care need not happen on the same day.
TRT Nation's 2.5-month offer does not establish a universal 75-day ordering calendar. Five or six purchases are alternative budgeting assumptions, not a finding that every patient needs that many purchases within the first payment year. Its week-eight refill-request rule and ten-week lab check do not define the exact days supplied. TRT Nation refill and monitoring FAQ.
Add what the table cannot price for you: any separate confirmatory draw, missing baseline tests, extra follow-up tests, unbundled visits, required fees or state-specific charges. Count bundled medication, supplies and shipping once. Count already-owned outside results as $0 in new testing spending if accepted, then add any new processing or testing charges.
What it means, in plain English:
- Not ready for a long prepayment? TRT Nation advertises shorter purchases than PeterMD's six-month and annual plans. PeterMD's monthly entry looks similar in cash terms, but its minimum obligation needs written confirmation. PeterMD's FAQ says TRT programs need at least a six-month commitment. If that applies to the monthly plan, stopping early could still leave you owing through month 6: $834 in plan payments, or $929 with the starting panel.
- Considering six months? One $654 PeterMD term plus the three assumed panels totals $998. Three approximately $250 TRT Nation purchases plus three panels total about $1,137. Those purchases cover different advertised amounts of treatment; these are not verified bills at the same date.
- Considering a full year? PeterMD's annual subtotal is about $345 lower in the five-purchase example, or about $595 lower in the six-purchase example. That difference can change when the missing costs and payment dates are filled in.
- PeterMD's monthly plan has the highest twelve-month base among PeterMD's three displayed rate options. The $2,012 illustration includes only twelve monthly units and the three assumed panels.
What changes the math:
These are component scenarios. Exact prescription quantities, monitoring, state access and additional charges still apply. We found no precise age limit or complete outside-lab acceptance checklist on the reviewed PeterMD pages. TRT Nation's requirements are covered below.
Decided by the numbers? Now check the two things that can still knock either company out — your state and the fine print — then go:
- Staying a year or more? See PeterMD's current TRT plans and billing terms →
- Prefer shorter purchase blocks? See TRT Nation's current pricing and minimum purchase →
Unpaid links. We earn nothing from either company.
Which one serves your state?
PeterMD's injectable TRT page excludes Alabama and Idaho; TRT Nation's homepage excludes Alabama, Alaska, Arkansas, Hawaii, Missouri and North Dakota. These are provider-published restrictions, not confirmation that every other state, laboratory and medication is available.
TRT Nation's homepage includes North Dakota in its exclusion list, while another FAQ omits it. We could not establish when that difference arose. State lists change, so confirm yours at sign-up.
*Hone Health and Male Excel are affiliate partners, shown so readers in a gap state have a next step. All four providers' public information was checked October 7, 2026. Hone cells refer only to its men's Plus and Premium TRT plans. “Labs limited” means PeterMD asks you to call 772-800-6133 to confirm a lab location.
†“Not excluded” means absent from the reviewed provider exclusion list. It is not a verified approval, current appointment offer or license check. PeterMD's hCG and laboratory products have different restrictions from basic injectable TRT.
Sources: PeterMD TRT, starting labs, follow-up labs, hCG, TRT Nation homepage and alternate FAQ, Hone men's plan availability, and Male Excel's exclusions.
One rule to keep: "not excluded" doesn't mean "approved." A licensed clinician, a lab and a dispensing pharmacy all have to work where you live. Those are three separate checks.
Live in Alabama, or in a state where neither company fits? Find the care route that works where you live → You can also compare TRT clinics near you.
What do their lab panels list — and leave unconfirmed?
PeterMD's $95 starter list includes LH and FSH but does not list CBC; TRT Nation's $129 list includes CBC but does not list LH or FSH. Neither listing establishes that a separate repeat morning testosterone draw is included. These are gaps in the published package details, not proof that a clinician skips a required test.
Quick definitions:
- Total testosterone: all the testosterone in your blood.
- Free testosterone: the small share not stuck to proteins.
- LH and FSH (luteinizing hormone and follicle-stimulating hormone): signals from your brain telling your testicles to work. They help show why your level is low.
- CBC (complete blood count): includes hematocrit, the share of your blood made of red cells. Testosterone can push it up, so you want a starting number.
- PSA (prostate-specific antigen): a prostate marker.
- CMP (comprehensive metabolic panel): kidney and liver chemistry.
From PeterMD's starter listing, follow-up listing and TRT Nation's panel, checked October 7, 2026. Oddly, PeterMD's starting-panel web address mentions "CBC," but the page's list of included tests doesn't. Ask for the actual requisition — the laboratory order that names your tests.
Why this matters: the Endocrine Society's guideline says low testosterone should be diagnosed only when compatible symptoms or signs come with consistently low results. It calls for confirming with a repeat morning fasting test, checking LH and FSH to look for the cause, and checking hematocrit before starting. A single cutoff, such as 300 ng/dL, does not diagnose you by itself. Its July 2026 statement repeats that one test isn't enough.
So, practically:
- If you choose PeterMD, ask how your baseline hematocrit will be checked, and what it costs.
- If you choose TRT Nation, ask whether LH and FSH can be added, and the price.
- With either one, ask how a second morning test is handled and billed.
Can you use labs you already have?
- TRT Nation: Yes, for free — if they qualify. The order form says outside labs must be within 120 days, show your full name and collection date, and include total testosterone, CBC, CMP, and PSA if you're 40+. No at-home finger-prick or saliva kits. But TRT Nation's homepage and another FAQ say labs can be up to six months old and also list estradiol. Pages also differ between "40+" and "over 40" for PSA. Get your actual report accepted before you pay. Intake checklist; alternate FAQ.
- PeterMD: Its TRT page says it "may be able to use" recent results. We found no precise age limit or complete acceptance checklist on the reviewed pages. Ask. Separately, its lab listing says a $25 processing fee applies to insurance-related lab requests if your insurance covers them. That fee doesn't guarantee what your insurer pays.
One more thing: TRT Nation makes you pick Labcorp or Quest at checkout, and the form says you can't change it after payment. Check that a draw site is near you first.
How often will you need labs after starting?
- TRT Nation publishes a check at about 10 weeks, a six-month follow-up and then annual testing. Its FAQ pages anchor the six-month timing differently, and another provider article describes testing every six months. Ask which schedule and panel count apply to you. Main FAQ; alternate FAQ; cost and process page.
- PeterMD describes a 90-day check-in and sells a $124.50 follow-up panel. Its linked 2022 policy discusses testosterone and hematocrit checks approximately every 3–6 months initially, at 12 months, and at least annually thereafter; the current plan pages do not settle your exact year-one panel count. Ask for yours. PeterMD care offer; linked policy document.
Not sure your low testosterone has been properly confirmed? That comes before choosing either company. Read our guide to TRT blood tests →
What happens if you quit, get declined, or want to cancel?
TRT Nation's shorter purchase block requires less initial program spending than PeterMD's annual prepayment. That does not settle what is refundable if care never starts or you leave early. Both providers publish terms that need clarification, especially for labs, unused future services and the exact plan you buy.
From PeterMD's Refund and Auto-Bill Policy and FAQ, and TRT Nation's order form, purchase policy and FAQ, checked October 7, 2026.
Before a PeterMD renewal: follow the policy's email instruction at least 48 hours ahead, and ask how the Member Account route applies to your plan. Keep the reply. Put the date in your phone calendar the day you sign up.
The TRT Nation refill trap: you have to request the prescription refill yourself. TRT Nation's FAQ says you can request a refill as early as week 8. If a refill is delayed, call the prescriber — don't change your treatment on your own.
Fill this in before you pay either one
This is the single most useful thing on this page. Copy it, send it to both companies, and compare the written answers side by side.
Don't put personal lab values or medical records into this worksheet. It's for comparing terms, not interpreting results.
Got clear written answers? That's your green light to compare the terms. Scroll back to the cost table, pick the company whose answers fit, and use the links there. Got a vague answer on the commitment or the refund? Treat that as an answer too.
What testosterone do they ship — FDA-approved or compounded?
Both list injectable testosterone cypionate, but the reviewed pages do not identify the exact product you'll receive. PeterMD's terms name pharmacies, while TRT Nation's FAQ describes licensed U.S. compounding pharmacies without naming them. Ask each company for the exact product and pharmacy before you pay.
Two terms, in plain English:
- FDA-approved means the FDA reviewed that specific product for safety, effectiveness and quality before it was sold. FDA-approved testosterone cypionate products exist.
- Compounded means a pharmacy prepared the drug itself. The FDA says compounded drugs are not FDA-approved, and it doesn't review their safety, effectiveness or quality before they're sold.
The name "testosterone cypionate" alone doesn't tell you which kind you're getting. Neither does "FDA-registered pharmacy," a phrase one TRT Nation FAQ uses. That wording does not establish FDA approval of the medication dispensed to you.
FDA's records identify corresponding pharmacies at the addresses in PeterMD's terms as 503A compounders. The records include historical warning letters and later closeouts:
Sources: FDA compounding actions index, Absolute inspection record, and Partell warning letter. We cover that history fairly, with dates, in our Peter MD cost guide. Old findings don't prove a current problem. A closeout doesn't certify a vial shipped today, either.
These records do not identify who fills a particular patient's order. PeterMD's terms also allow a patient-chosen pharmacy; ask whether your prescribed product can be filled there and how that changes the package price.
About anastrozole: it blocks the conversion of testosterone into estrogen. FDA-approved anastrozole tablets are labeled for certain breast cancers in postmenopausal women; using an approved tablet for male hormone care is off-label. A compounded version is not FDA-approved. Current prescribing information. TRT Nation lists anastrozole in the package; PeterMD lists an aromatase inhibitor "if needed" without naming the drug. Whether you need it is a decision for your clinician. Don't take it just because it arrived in the box.
If you need an FDA-approved product, get its exact name, dispensing pharmacy and price confirmed; PeterMD's chosen-pharmacy clause is a question to investigate, not a promise of coverage. If you want insurance to help pay, primary care or urology can be a useful starting point. See our guide to TRT providers that take insurance.
Who handles your care after you sign up?
PeterMD requires a video visit; TRT Nation's TRT page describes video, while its general FAQ says video or phone. Both advertise ongoing provider access, but we did not verify actual response times or appointment availability. Their published support hours and care steps are below.
All provider-stated, checked October 7, 2026: PeterMD contact, lab timing and care offer, PeterMD policy on records, TRT Nation FAQ, follow-up access and record-access description. The timing estimates start at different steps, so they do not establish which company starts care faster. We didn't test response times or verify record-export fees, format or turnaround.
The visit format matters for more than comfort. The temporary federal rule that lets clinicians prescribe controlled substances like testosterone without a prior in-person visit covers audio-video telemedicine, subject to its conditions and state law (more on that rule below). If your first TRT Nation visit is offered by phone only, ask how your prescription meets federal and state rules.
When should your usual doctor or a specialist come first?
Start with your treating clinician if you have concerns such as breast or prostate cancer, high hematocrit, severe untreated sleep apnea, uncontrolled heart failure, or a heart attack or stroke in the past six months. The Endocrine Society recommends against starting testosterone in these situations and lists other conditions that need assessment; primary care, urology or endocrinology can help coordinate that review.
Testosterone can raise blood pressure and red-cell levels. Ask who will monitor blood pressure and hematocrit, review results and respond to side effects. Current testosterone cypionate prescribing information.
Is Peter MD or TRT Nation legit — and what do reviews say?
Both publish current treatment offers and Florida contact addresses; that does not verify every relevant clinician or pharmacy license. Trustpilot has removed the getpetermd.com profile, while TRT Nation's profile shows 2.1 out of 5 from 30 reviews. These profile findings and the ratings displayed on provider sites do not establish medical quality.
Sources: PeterMD's displayed rating, TRT Nation's displayed rating, getpetermd.com Trustpilot notice and TRT Nation Trustpilot profile. We did not independently reconcile either provider-displayed rating.
We don't average these or score them. A removed profile and a 30-review unclaimed profile are both thin evidence.
Two short, attributable reviews show different TRT Nation experiences:
"Their customer service is prompt and courteous" — Larry C, Trustpilot, September 22, 2026
"…pay for 2.5 months of treatment up-front before even speaking to a provider." — Nick, Trustpilot, June 15, 2026
Those are individual experiences, not typical results or proof of policy. We did not independently verify the reviewers' patient status or any material relationship with the provider. The removed getpetermd.com profile is not available to assess.
What "legit" should mean to you: ask for your clinician's full name and credentials. Check a physician through your state medical board; a nurse practitioner is regulated by a state board of nursing. NCSBN's license-verification information links to the nursing verification service. TRT Nation advertises LegitScript certification; we could not independently confirm its current status or PeterMD's. A badge is a starting point, not a guarantee. TRT Nation's claim; LegitScript checker.
What about hCG, enclomiphene, and fertility?
If you might want children soon, a fertility-focused evaluation should come before a PeterMD or TRT Nation purchase. Testosterone from outside the body can suppress sperm production, and hCG add-ons cost extra at both companies. No add-on guarantees your fertility.
Spermatogenesis is your body's sperm production. External testosterone can turn it down. Recovery varies, and no web page can promise your outcome. The Endocrine Society recommends against starting testosterone in men planning fertility in the near term.
Sources: PeterMD hCG offers, PeterMD enclomiphene page, TRT Nation combination offer and TRT Nation enclomiphene. These are provider claims and prices, not evidence that fertility is preserved.
Here's what the marketing leaves out:
- hCG is a different hormone, not testosterone. FDA-approved hCG products (such as Pregnyl) are labeled for selected cases of male hypogonadotropic hypogonadism — low hormone signals from the brain. That doesn't make every use alongside TRT approved, and it doesn't guarantee sperm production. Pregnyl prescribing information. The label does not establish which hCG product either clinic supplies.
- Enclomiphene is not testosterone replacement. FDA's 2022 review reported no approved drug with enclomiphene as its active ingredient; its May 2026 compounding document still lists enclomiphene citrate as under evaluation. That listing is not product approval. It nudges your body to make its own testosterone instead of adding it from outside. Calling it "Oral TRT" or "natural TRT" blurs two different treatments. FDA review; May 2026 compounding list.
- A per-vial hCG price is not an annual cost quote. Don't compare $301 to $180 a month as if they're the same thing. PeterMD also lists separate hCG state restrictions; confirm your exact product and location.
Planning a family in the next few years? See a urologist, reproductive urologist or endocrinologist before buying any program. Read our fertility-first TRT guide →
How do you switch between Peter MD and TRT Nation?
Line up the new provider before you cancel PeterMD or TRT Nation. Get your recent lab results and prescription records, confirm the new company accepts them, then close out billing the right way. Ask how unused prepaid services and any new initial payment will be handled.
Many readers here are switching, not starting. Here's the order to help you plan the handoff and avoid surprise bills:
- Get your records first. Ask your current provider for your recent lab results, visit notes and current prescription details, while your account is still active.
- Get the new provider to accept your labs. TRT Nation's limits are 120 days on the order form, or six months on other pages. No home kits. PeterMD says it may accept recent results, but the reviewed pages do not give a precise age limit or complete checklist, so ask.
- Don't change your treatment to qualify. TRT Nation's FAQ says transferring patients don't need to lower their testosterone levels to join. Keep following your current prescriber until the new one takes over.
- Time the handoff. Ask the new provider when your first shipment would arrive, compared with how long your current supply lasts.
- Close billing correctly.
- Leaving PeterMD: follow the policy's email instruction at least 48 hours before renewal, confirm how Member Account cancellation applies, and ask about unused future services.
- Leaving TRT Nation: confirm in writing that no order or charge is pending. Its prescription refills require a new request from you.
- Keep every confirmation email.
Thinking about leaving both? See how to switch TRT providers.
Could federal telehealth rules change your refills after December 31, 2026?
Federal telehealth rules after December 31, 2026 could affect future PeterMD or TRT Nation care. The DEA and HHS temporary extension allows qualifying audio-video prescribing without a prior in-person visit through that date, subject to its conditions and state law. The extension does not settle the rules after it expires.
A 12-month PeterMD plan bought now runs past that date. Ask what happens to your care, and your prepayment, if an in-person visit becomes required.
The facts, from the source:
- Testosterone is a Schedule III controlled substance. It needs a valid prescription for medical treatment. Testosterone cypionate prescribing information.
- The DEA and HHS fourth temporary extension runs from January 1 through December 31, 2026, subject to conditions and state law.
- We found no basis to promise that these temporary rules will remain the same on January 1, 2027.
One thing to ignore: PeterMD's own FAQ still says the Ryan Haight Act was "re-implemented" on May 11, 2023, requiring an in-person visit first. PeterMD FAQ. That's out of date as a description of the federal rule — the flexibilities were extended repeatedly. States and individual clinicians can still require in-person visits, though.
The practical move is simple. If you're prepaying a year, ask: "If federal rules change, what visits would I need, who arranges them, and what happens to my prepaid months?"
If neither fits: who should look elsewhere?
The basic injectable offers compared here suit some men and leave other needs unresolved. If fertility, diagnosis, insurance, exact product status, needle-free treatment or scheduled contact drives your choice, resolve that need before buying a PeterMD or TRT Nation plan. Here's where each reader should go.
Affiliate disclosure: Hone Health and Male Excel are affiliate partners of TRT Provider Guide. We may earn commissions through separately labeled paid links. The links below go directly to provider information pages. That doesn't change the facts below, including the downsides. We earn nothing from PeterMD or TRT Nation.
Hone Health — for the man who wants labs built in
Hone's Plus membership is $135 a month before medication. Its published plan builds lab checks at 3, 6, 9 and 12 months and physician video visits into the membership, and it bills month to month. Your clinician may adjust monitoring to your needs.
What Hone's pages said when we checked on October 7, 2026:
- Price: $135/month for Plus, plus a $45 starting at-home test. Medication is billed separately.
- Confirmation test: Hone lists it at $45 or $50 at a lab, or $80 at home, while another Hone page says clinically necessary retesting has no added fee.
- Paid-confirmation scenario: $45 starter + $45, $50 or $80 confirmation + 12 × $135 membership = $1,710–$1,745, before medication and other charges. If your required confirmation has no added fee, the starter-plus-membership subtotal is $1,665. Get the applicable testing bill confirmed.
- Medication price is unclear: injections are listed "from $28," but one page says per month and another says per vial. Compounded cream is listed at $60/month.
- Compounded: Hone's testosterone cypionate product page says the product is compounded and not FDA-approved.
- Insurance: Hone doesn't accept insurance. It processes HSA and FSA cards.
- Pause: you can pause for up to three months with no billing.
- States: Plus is listed in 35 states. It isn't available in AL, AK, AR, CT, DE, DC, KS, LA, MN, NH, NJ, NY, ND, PA, RI or SC. New York is Premium only; Hawaii and South Dakota are Plus only.
Sources: Hone Plus, testing schedule, confirmatory testing, medication disclosure, insurance, pause policy, and state table.
Who it's for: you value scheduled monitoring more than the lowest price, and the written quote — membership plus medication — fits your budget.
Want monitoring built into the price? See Hone Health's current plans and testing costs → (direct information link; affiliate partner)
Male Excel — for the man who wants scheduled check-ins and fewer needles
Male Excel's published injection-price components total $2,727 for one $99 consult, 12 × $99 membership payments and six 60-day medication supplies at $240 each. That is 360 days of medication, before shipping, tax and any unconfirmed charges; it is not an exact 365-day cash quote. Its cream option is listed from $132 a month.
What you get for that, per Male Excel's pages (checked October 7, 2026):
- Check-ins and testing: provider check-ins every 60 days, plus blood testing every six months included in the membership.
- Needle-free option: a testosterone cream.
- Support: phone support seven days a week, 7am–9pm ET.
- Billing: medication is billed every other month in 60-day supplies; membership is $99 monthly. No year-long prepay, and "No Contract, Cancel Anytime."
- Guarantee: the initial 90 days of membership fees — not medication — may be refunded under its guarantee, subject to continuous participation, adherence and its review of the claim. Requests must be made within 30 days after the continuous 90-day period. Guarantee terms.
What to know before you click:
- Compounded: its testosterone is compounded.
- Thyroid medication: the pricing packages include it, while the homepage says treatment depends on clinical need. Ask what diagnosis or finding supports it in your case.
- First test: it's an at-home finger-prick kit, and Male Excel says clinicians may prescribe before results arrive "when clinically appropriate." Guideline-standard diagnosis uses repeat morning blood tests, so ask how yours will be confirmed.
- Medication billing: it's billed in 60-day supplies.
- States: it isn't available in AL, AK, AR, CT, HI, ID, LA, MN, MS, NH or RI.
Sources: Male Excel pricing, care and state disclosures, FAQ, support hours, and payment terms. These are provider-stated arrangements, not tested service outcomes.
Who it's for: you'd rather budget for scheduled check-ins, a needle-free option and no annual prepayment, and you live in a state it serves.
Do scheduled check-ins and a cream option sound like what's missing? See Male Excel's current pricing → (direct information link; affiliate partner)
In a state neither one serves? Use Find My TRT Path to map other routes.
What we actually verified
This is a public-document comparison of PeterMD and TRT Nation, not a hands-on review. On October 7, 2026, we read both companies' live pricing pages, product listings, lab pages, FAQs, refund and cancellation policies, contact pages and Trustpilot profiles, and recalculated every number. We did not buy treatment, enroll, contact support or test cancellation.
Checked October 7, 2026.
Hone Health and Male Excel figures were also checked October 7, 2026.
Our method is published: How We Review TRT Providers. It separates verified facts, provider-stated facts, customer experience and our own conclusions. It adds published cost components and identifies charges that still need a quote. It doesn't produce a numeric medical score. Read our editorial standards. Spot a changed price? Send a correction.
Peter MD vs TRT Nation: FAQ
PeterMD's annual base price is lower, while TRT Nation advertises shorter purchases. These answers bring together the payment, testing and care terms that can change which offer fits you.
Is Peter MD or TRT Nation cheaper?
PeterMD's annual plan has the lower advertised base price: $948 prepaid. With the three assumed panels in our model, its subtotal is $1,292 versus about $1,637 for five TRT Nation purchases, or $1,887 for six. Actual purchase dates, required tests and other charges can change the comparison.
How much are the initial program and lab charges?
About $379 at TRT Nation by advertised-rate arithmetic (about $250 for the minimum purchase plus a $129 panel). At PeterMD it's $1,043 on the annual plan, $749 on the 6-month plan, or $373 on the monthly plan — each including the $95 starting panel. These sums do not establish when each charge is collected or the full required testing bill.
Does PeterMD make you pay for a year upfront?
Only for its lowest rate. The 12-month plan is $948 upfront. The 6-month plan is $654 upfront. The monthly option starts at $278 for two months, but PeterMD's FAQ says TRT programs need at least a six-month commitment.
Is PeterMD's monthly plan really month-to-month?
Not clearly. The plan is billed monthly, but PeterMD's FAQ says TRT needs a six-month minimum. Get your minimum term in writing.
Does TRT Nation make you pay for 2.5 months at once?
Yes. The smallest testosterone order is a 2.5-month supply, about $250 at the $99.99 rate. There's no automatic refill — you reorder each time.
Do Peter MD or TRT Nation include blood work?
The reviewed base offers list blood work separately. PeterMD's starting panel is $95 and follow-ups are $124.50. TRT Nation's panel is $129. Both may accept qualifying outside labs; separate confirmatory testing and other required tests need a quote.
Can I use my own labs?
Often. TRT Nation accepts outside labs at no charge if they meet its rules (120 days on the order form; total testosterone, CBC, CMP, and PSA if you're 40+; no home kits). Other TRT Nation pages say six months and also list estradiol, so get your report accepted first. PeterMD "may be able to use" recent results; we found no precise age limit or complete checklist on the reviewed pages.
Which states does TRT Nation not serve?
Alabama, Alaska, Arkansas, Hawaii, Missouri and North Dakota, according to its homepage checked October 7, 2026. Another FAQ omits North Dakota. Confirm current access before paying.
Which states does PeterMD not serve?
Its injectable TRT isn't available in Alabama or Idaho. Its lab orders are also excluded in New York and New Jersey, and limited in several other states.
Can I get a refund if the doctor won't prescribe?
TRT Nation's order form promises a full refund if you and the provider decide at the consult that treatment is not for you; its separate policy reserves a no-refund position. Ask whether the intake exception covers your treatment and lab charges. PeterMD's policy doesn't clearly cover a no-prescription outcome, and its lab orders are non-refundable. Ask both in writing before paying.
How do I cancel PeterMD?
For an auto-renewing product, its policy requires email at least 48 hours before renewal. Its FAQ also describes Member Account cancellation; confirm the route for your plan and keep the reply. The policy does not clearly settle refunds for unused future services.
Is the testosterone FDA-approved or compounded?
The reviewed pages do not identify your exact product. PeterMD names pharmacies in its terms and permits a patient-chosen pharmacy; TRT Nation says it uses compounding pharmacies. Ask for the product, its FDA approval status and the dispensing pharmacy. Compounded drugs are not FDA-approved.
Do they take insurance or HSA?
The offers compared here use direct payment. PeterMD describes treatment as cash-pay, accepts HSA/FSA cards and lists a conditional $25 processing fee for insurance-related lab requests. TRT Nation's form takes credit cards; ask about insurance billing, HSA documentation and reimbursement. Card acceptance alone does not establish coverage or tax eligibility.
Which is faster to start?
Their published estimates begin at different steps, so they do not establish a faster provider. PeterMD says it emails a lab order in 48–72 business hours, with results in 5–7 business days. TRT Nation says meds arrive within 10 business days after the consult. Some TRT Nation reviewers report waiting a month or more; those are individual experiences.
Is Peter MD the same as Peter Uncaged MD?
PeterMD's own linked policy document uses the name PETER UNCAGED MD, LLC, and its social links retain "Peter Uncaged" branding. That supports the name connection; it does not make every similarly named review profile the same business. PeterMD policy document.
Is Peter MD or TRT Nation legit?
Both publish current treatment offers and Florida contact addresses. We did not independently confirm current certification or every relevant license. Trustpilot removed the getpetermd.com profile, and TRT Nation scores 2.1 from 30 reviews there. Those facts do not establish clinical quality. Verify your clinician's license with the state board that regulates their credential.
Which provider should you investigate next?
PeterMD's annual plan is worth investigating if a lower advertised base price and a large prepayment fit you. TRT Nation is worth investigating if you prefer shorter purchase blocks; either choice still depends on the testing, state and exit terms in your written quote.
- Prefer shorter purchases to six-month or annual prepayment: investigate TRT Nation.
- Considering a six-month prepayment: compare PeterMD's $654 term and renewal quote.
- Confident about a full-year plan: compare PeterMD's $948 annual offer and unused-service terms.
Whichever you pick, send the worksheet questions first and get the refund, commitment and pharmacy answers in writing. Each company's pages leave material terms to resolve.
And if a fertility plan, an unconfirmed diagnosis, insurance or a needle-free preference is part of your picture, choose the care route before buying either basic injectable offer.
Still not sure which TRT care route fits you? Use our free Find My TRT Path tool.
Educational information only — not medical advice, and not clinically reviewed. Testosterone is a prescription-only Schedule III controlled substance in the United States. Don't start, stop or change testosterone outside the care of a licensed clinician. Find My TRT Path is educational: it doesn't diagnose low testosterone, decide eligibility or guarantee a prescription. If you have chest pain, severe shortness of breath or another emergency, call 911.
Sources
Provider pages were checked October 7, 2026. The links below identify the original pricing, policy, review and medical sources; a statement on a provider page is not independent verification that the promised service was delivered.
PeterMD
- Injectable TRT plans, prices and state exclusions
- TRT: 2 Months Upfront, Then Monthly ($278) product listing
- Step 1 Labs ($95): included tests, state limits, non-refundable note, $25 insurance fee
- Follow-Up Labs ($124.50)
- How It Works / FAQ: 6-month commitment, cancellation, insurance, Ryan Haight statement
- Refund and Auto-Bill Policy
- Contact page: video visit requirement, support hours, HSA/FSA, BEARIT program, address
- Terms and Conditions: named pharmacies
TRT Nation
- Testosterone therapy pricing and minimum purchase
- New-patient enrollment form: package contents, $130 option, lab options, outside-lab rules, refund statement, age
- Homepage FAQ: six excluded states, outside labs up to six months
- Main FAQ: compounding pharmacies, video or phone visits, lab schedule, 120-day outside labs
- FAQs 2026 page: different five-state list, refill from week 8, transfer patients
- Refund and Cancellation Policy
Reviews
Affiliate alternatives
- Male Excel pricing, FAQ and homepage
- Hone plan comparison, testing schedule, confirmation policy and state table, checked October 7, 2026. For a fuller comparison of its costs, see our Hone TRT cost guide.
Medical and regulatory
- Endocrine Society: Testosterone Therapy for Hypogonadism guideline
- Endocrine Society: Statement on Testosterone Replacement Therapy, July 16, 2026
- Full Endocrine Society clinical practice guideline: diagnosis, testing and monitoring
- FDA: Understanding the Risks of Compounded Drugs
- DEA/HHS: Fourth Temporary Extension of Telemedicine Flexibilities, Federal Register, December 31, 2025
- DEA: Drug Scheduling (testosterone is Schedule III)
- Pregnyl (chorionic gonadotropin) prescribing information, DailyMed
- FDA Pharmacy Compounding Advisory Committee, June 8, 2022: enclomiphene review
- Federation of State Medical Boards: contact a state medical board
- FDA compounding inspection, warning and closeout index, Absolute inspection record and Partell warning letter
- FDA May 2026 bulk-substance compounding list and 2022 enclomiphene transcript
- Anastrozole prescribing information
- Testosterone cypionate prescribing information