Does online TRT take insurance?

Which US telehealth testosterone providers accept insurance, which are cash-only, and which say their fees can be paid from an HSA or FSA.

Most online testosterone programs are cash-pay: you pay the provider directly and insurance isn't billed. A few accept insurance for some or all of the cost, and some say their fees can be paid from a health savings account (HSA) or flexible spending account (FSA). This is what each provider says on its own pages.

Insurance

TMates says it accepts most major insurance plans, with coverage depending on your plan, and offers self-pay too.
GoodLife Health doesn't bill its membership to insurance, but says the pharmacy may bill the medication to your insurance if you have coverage.
Hone Health and MangoRx say they don't accept insurance.
Henry Meds and Hims are cash-pay; insurance isn't used.

Other providers on the index don't say either way on the pages we read.

HSA and FSA

Hone Health and Maximus say their fees can be paid with an HSA or FSA.
GoodLife Health says its membership fee is generally HSA/FSA eligible and suggests confirming with your plan administrator.
Hims says it doesn't take HSA or FSA cards.

Eligibility is set by your plan, not the provider, so check with your plan administrator before paying. The full list is on the HSA/FSA page.

Is cash-pay more expensive?

Not necessarily. Several cash-pay programs include the consultation, medication and lab tests in one monthly price, starting at $99 a month month to month. With insurance, what you pay depends on your deductible and copays, which the providers can't quote in advance. See how much online TRT costs for the cash prices.

Prices in this guide were checked against the index on October 23, 2026. The index itself is always current: see today's prices.