Insurance companies will pay for testosterone therapy if a patient's testosterone level is below 350.
Posted by The Michael Berry Show, Checked Updated
- Sources
- 6 contradict1 support1 context
- Said
- 2 times·
- Confidence
- 55%
The Michael Berry ShowAug 18, 2026
The claim that insurers will pay for testosterone therapy when levels are below 350 ng/dL is partly supported: sources say insurance coverage for TRT depends on a low-level threshold that some plans set at 350 ng/dL (lowtcenter.com), but most insurers and the FDA/Endocrine Society framework use 300 ng/dL, and coverage also requires symptoms, two morning labs, and prior authorization, so.
This claim is about the present, so it is judged as of the day it was checked.
What was said
… Dot com, or you can email me through our website, michaelbarryshow dot com, and I will connect you directly with the owner and get you called back. The Pipeyard Inc. Dot com. I'm on testosterone, and I encourage everybody else to be on testosterone. If you're below 350 on your testosterone level, very good chance your insurance will pay for you to have it. You know why? There's a lot of studies that say it's very good for you, not just your sex life, but your energy, your strength, all sorts of good things. Do your own research. …
The Michael Berry Show · · from the transcriptPost →What we found
Contradicts. Most sources state insurers typically set the threshold at 300 ng/dL (usually two morning labs below 300), so a 350 level does not automatically qualify a patient for coverage.[1][2][3]
Contradicts. Insurance coverage requires more than a low level: a clinical hypogonadism diagnosis, documented symptoms, and prior authorization, and the AUA white paper notes there is no universal threshold and rigid ranges should not dictate coverage.[4][5][6]
Supports. One source states that depending on the plan, coverage may require testosterone below 250, 264, 300, or even 350 ng/dL, showing a 350 threshold exists for some plans.[7]
Context. The Arkansas Blue Cross policy covers testosterone replacement based on InterQual criteria and diagnosis rather than a fixed level, which further undercuts a simple level-based guarantee.[8]
Sources
8 sources: 1 tier 2, 7 not rated
- 1How Much Does TRT Cost? – Forbes Healthforbes.com · tier 2 · cited for: contradicts
- 2Is TRT Covered by Insurance? 2026 Costs ($30–$150/mo)highlandlongevity.com · not rated · cited for: contradicts
- 3Does Insurance Cover Low T Treatment? Prior Auth and Costslegalclarity.org · not rated · cited for: contradicts
- 4Does Insurance Cover TRT? What You Need To Know - Blavityblavity.com · not rated · cited for: contradicts
- 5[PDF] Pharmacy Drug Policy & Procedure - Health Alliancehealthalliance.org · not rated · cited for: contradicts
- 6The Laboratory Diagnosis of Testosterone Deficiencyauanet.org · not rated · cited for: contradicts
- 7Does Insurance Cover Testosterone Therapy?lowtcenter.com · not rated · cited for: supports
- 8Testosterone replacement therapysecure.arkansasbluecross.com · not rated · cited for: context
Where this claim was made
Said in 2 published posts
Checked 2 times
Each check reads the sources again. The newest verdict is the one this page states.
- · latestMixed
- Mixed