Men's cost guide · Prices verified July 6, 2026
How much does TRT actually cost in 2026?
All-in, online TRT costs about $53 to $300 per month — once you add the three parts every clinic bills but few advertise together: membership, medication, and labs. The cheapest single package is PeterMD from $99/mo including meds and consults [Reported]. The lowest floor is Hone Health at ~$53/mo ($25 membership + injections from $28). The one verified flat rate is Fountain TRT at $199/mo all-inclusive. And one clinic — Marek Health — publishes no medication prices at all.
Most “TRT cost” articles quote a vague $20–$500 range and move on. Below is the table they don't publish: real per-clinic math with a [Verified] or [Reported] label on every number and each clinic's A–F Transparency Grade.
| Clinic | Advertised | What that includes | Labs | Real monthly all-in | Year one | Grade |
|---|---|---|---|---|---|---|
| Hone Health | $25/mo [Verified] | Membership only. Meds extra: injections from $28/mo, cream from $60/mo, enclomiphene $42/mo [Reported] | $65 initial 50+ biomarker panel + consult; retests every 6 mo (Basic) or 90 days (Premium $155/mo) [Verified] | ~$53–$180+ | ≈ $700 | C |
| PeterMD | From $99/mo [Reported] | Testosterone up to 200mg/wk, aromatase inhibitor if needed, supplies, shipping, unlimited consults [Reported] | $129 initial panel (standing '50% off' of $259) — or bring your own Quest/LabCorp panel [Reported] | $99–$119 | ≈ $1,317 | C |
| Maximus | $99.99/mo [Reported] | Medication only, priced at annual billing — month-to-month is higher by an unpublished margin. Bundles to $199.99/mo [Reported] | $99.99 testosterone test (9 biomarkers), billed separately [Reported] | $100–$200 | ≈ $1,300 | D |
| Fountain TRT | As low as $199/mo [Verified] | Genuinely all-inclusive: medication, video visits, medical support, home delivery, cancel anytime [Verified]. Commitment tiers reportedly $150–$199 [Reported] | ~$35 intro blood panel promo (normally up to ~$280 incl. consult) [Reported] | $150–$199 | ≈ $2,423 | B |
| Defy Medical | No subscription — pay per service | Initial consult $250–$350, follow-ups $90–$165, meds ~$75–$100/mo (T-cypionate + HCG + anastrozole) [Reported] | ~$279 comprehensive panel, required and interpreted [Reported] | ~$200–$300 | ≈ $2,700 | C |
| Marek Health | From $299 program fee [Reported] | Medication pricing NOT disclosed anywhere — the only clinic here with zero published med prices. Consults extra, ~2/yr minimum [Reported] | Panels $250 (Base) to $2,000 (Executive); $450+ panel required for Guided Optimization [Reported] | Not disclosed | $1,000–$3,000 (est.) | F |
[Verified] = read directly on the clinic's official site, July 6, 2026. [Reported] = from the clinic's own indexed pages or third-party reviews, not independently re-confirmed (several clinics block verification crawlers). Year-one totals assume the cheapest standard protocol; assumptions are documented on each clinic's review page.
What actually drives the price
- Pricing structure, not medicine.The same testosterone cypionate costs $28/mo inside Hone's two-part model, is bundled into PeterMD's $99 flat fee, and is one line item in Defy's $200–$300/mo pay-per-service total. You're mostly paying for how the clinic packages care, labs, and access.
- Modality. Injections are cheapest ($28–$100/mo). Cream runs $60–$199/mo. Oral testosterone is the premium tier ($149.99/mo at Maximus). Enclomiphene sits at $42–$99.99/mo.
- Lab depth and cadence. A $65 intro panel with 6-month retests (Hone Basic) versus $450+ panels with paid consults (Marek) can swing the annual bill by four figures before a single dose ships.
- Billing anchors.Maximus's advertised monthlies assume annual billing; Fountain's “as low as” implies commitment tiers; PeterMD's labs carry a permanent “50% off.” The advertised number is the best case, not the default.
Hidden costs to check before you pay
- Month-to-month deltas. Maximus does not publish how much more you pay without the annual commitment [Reported]. Ask before signing.
- Consult minimums. Marek reportedly requires ~2 paid consults per year on top of the program fee [Reported].
- Upfront blocks.Some clinics bill quarters or require months upfront — a “$99/mo” plan can be a $297 charge.
- Cancellation terms. Only Fountain states cancel-anytime on its homepage [Verified]. BBB files at PeterMD and Maximus both feature refund and fulfillment disputes [Reported] — pay with a card you can dispute from.
Medical disclaimer: HRT Picks is a comparison site, not a medical provider. Nothing on this page is medical advice — TRT is a prescription treatment, and decisions belong with a licensed clinician.
Next step
Now see which clinic is actually worth it.
Price is one of five scoring dimensions. The full TRT rankings add clinical depth, patient experience, and transparency — or jump straight to the cheapest-first list.
FAQ
TRT cost, asked straight
How much does TRT cost per month?
All-in — membership plus medication plus labs — online TRT costs roughly $53 to $300 per month in 2026. The floor is Hone Health at ~$53/mo ($25 membership + injections from $28/mo). The cheapest single-price package is PeterMD from $99/mo [Reported]. Fountain TRT is a verified flat $199/mo all-inclusive. Pay-per-service care at Defy Medical settles around $200–$300/mo. Marek Health does not publish medication prices; realistic totals are $1,000–$3,000 per year.
Why does Hone advertise $25/mo if TRT costs more?
Because $25/mo is a membership fee, not a treatment price. Hone's structure is two-part: Basic membership $25/mo (or Premium $155/mo) PLUS medication — injections from $28/mo, cream from $60/mo, enclomiphene $42/mo [Reported] — plus a $65 initial biomarker assessment. Real treatment cost lands between about $53 and $180+ per month. It can still be the cheapest option online; you just have to do the addition the ad doesn't.
What is the cheapest way to get TRT online?
Two honest answers. Cheapest single package: PeterMD from $99/mo including testosterone up to 200mg/week, supplies, shipping, and consults, plus $129 initial labs — about $1,317 in year one [Reported]. Cheapest floor: Hone Health at ~$53/mo ($25 membership + $28/mo injections) — about $700 in year one, with a far stronger complaint record (BBB A+ accredited vs PeterMD's BBB dispute file). If insurance covers generic testosterone cypionate through your own doctor, that route can beat both.
How much do TRT labs cost?
Initial panels run $35 (Fountain's promo rate) to $2,000 (Marek's Executive panel). Typical: $65 at Hone (50+ biomarkers, consult included), $99.99 at Maximus (9 biomarkers), $129 at PeterMD, ~$279 at Defy Medical. PeterMD accepts a panel you already have from Quest or LabCorp. Ongoing monitoring is usually every 90 days to 6 months and may be included (Hone) or billed per panel (Defy, Marek).
Does insurance cover TRT?
Often for the drug, rarely for these clinics. With a documented diagnosis (total testosterone below 300 ng/dL on two morning draws, per the American Urological Association guideline), most commercial plans cover generic testosterone cypionate prescribed by your own doctor, with labs billed to insurance. None of the six online clinics in this comparison bill insurance — all are cash-pay, some accept HSA/FSA. Cash telehealth buys speed and convenience; insurance buys a lower drug price with more friction.
How much does enclomiphene cost?
From $42/mo at Hone Health (plus $25/mo membership) to $99.99/mo at Maximus at annual billing [Reported]. Hims sells prepaid plans working out to ~$99–$199/mo depending on how many months you pay upfront [Reported]. Note that enclomiphene is a compounded medication, not FDA-approved, and month-to-month prices at Maximus are higher than the advertised annual-billing rate.