Does Medicare Cover Testosterone Gel for Hormone Therapy?

Does Medicare cover testosterone gel? That depends on your specific Medicare policy. This article directly addresses the conditions under which you could expect coverage, discusses the nuances of Part D and Medicare Advantage plans, and provides insight into managing testosterone gel costs with Medicare.


Key Takeaways

  • Medicare Parts A and B typically do not cover testosterone replacement therapy, but Medicare Part D and Medicare Advantage plans might provide coverage depending on their formulary lists.


  • Eligibility for Medicare coverage of testosterone gel is subject to specific criteria and guidelines, which can include limitations such as quantity restrictions imposed by some Part D plans.


  • Costs for testosterone gel without insurance can range between $40 and $500 monthly, while insurance co-pays may vary from $32.50 to $50; additional cost-saving options include Medicaid, prescription discount programs, and cash discounts via coupons.

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Understanding Medicare and Prescription Drug Coverage for Testosterone Gel

Medicare, a health insurance program for individuals aged 65 or older and certain younger people with disabilities, is known for its dynamic coverage policies. One must realize that Medicare Parts A and B do not usually include testosterone replacement therapy in their coverage.

However, hope lies in the realm of Part D plans and Medicare Advantage plans that might offer coverage for testosterone gel, contingent upon the plan’s formulary. In this context, it’s essential to explore whether Medicare cover hormone therapy or not, as it can vary depending on the specific plan.

Understanding Medicare and Prescription Drug Coverage for Testosterone Gel

For a better understanding of the coverage, it’s recommended that patients thoroughly check their plan’s formulary and seek advice from their healthcare provider.


Scrutinizing Your Part D Plan

Part D plans, which offer prescription drug coverage, play a pivotal role in managing costs associated with hormone replacement therapy. A Medicare Part D prescription drug plan formulary is essentially a list of drugs that cover hormone replacement therapy and other hormone therapy medications. A review of the formulary and an assessment of associated costs are required to determine if your plan covers testosterone gel.

However, keep in mind that this formulary can change monthly, affecting your access to testosterone gel.


The Role of Medicare Advantage Plans

Medicare Advantage plans, also known as Part C, are an alternative to Original Medicare, offered by private insurance companies. These plans could potentially cover testosterone gel as well as other health services. Similar to Part D plans, the key lies in the plan’s formulary, a comprehensive list of drugs approved for coverage.

Examining individual plan details, including the formulary, is a crucial step in determining if testosterone therapy is a covered benefit. It’s advisable to meticulously review the formulary to confirm if specific medications like testosterone gel or testosterone pellets are covered by Medicare.

Eligibility Criteria for Testosterone Gel Coverage

Obtaining Medicare coverage for testosterone gel isn’t a straightforward process, especially for those experiencing erectile dysfunction. It hinges on the eligibility criteria, outlined in the Local Coverage Determination for Treatment of Males with Low Testosterone. However, coverage may vary among Part D plans, as some impose limitations on testosterone gel, such as quantity restrictions.


Does medicare cover testosterone blood test



Physicians follow the guidelines specified in the Local Coverage Article for Billing and Coding and the LCD to determine ‘medical necessity’ for testosterone gel coverage.


Comparing Costs: Out-of-Pocket Expenses for Testosterone Gel

Out-of-pocket expenses for testosterone gel can vary greatly. The cost can be influenced by factors such as:


  • the particular plan
  • deductibles
  • copays
  • coinsurance payments


Without insurance coverage, monthly expenses can range from $40 to $500, depending on the specific type and brand of testosterone gel.

However, most insurance plans typically provide coverage for the most common version of testosterone gel, with a co-pay ranging from $32.50 to $50.00.

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Additional Options for Managing Testosterone Therapy Costs

Despite the potential for Medicare to cover testosterone therapy, exploring other cost-saving options is recommended. Medicaid, for instance, can cover prescription drugs required for testosterone treatment, reducing the associated costs. Several prescription discount programs are also available, offering potential savings on testosterone therapy.

Furthermore, cash discounts can be obtained by comparing prices and using coupons from reputable websites.

Hormonal Regulation and Testosterone Replacement Therapy

Hormonal regulation is a critical aspect of our health, controlling various bodily functions.

Low testosterone levels can negatively impact hormonal regulation and overall health, making testosterone replacement therapy, a form of hormone therapy, an essential treatment for many, especially when testosterone supplements are not an option.


Does medicare cover hormone replacement therapy




Seeking Assistance from a Licensed Insurance Agent

Navigating Medicare coverage for testosterone therapy can be daunting. A licensed insurance agent can offer guidance on Medicare Part B coverage for testosterone treatments administered by approved physicians. Consideration of qualifications, training, and knowledge of Medicare programs are important factors when seeking a licensed insurance agent for Medicare coverage.

They can also assist medicare beneficiaries with Medicare Advantage plans, offering information on medicare cover options and guiding through the enrollment process for a Medicare Advantage plan.


Navigating Medicare coverage for testosterone therapy can feel like navigating a maze. However, with the right resources and guidance, it’s possible to understand the intricacies of Medicare Part D and Medicare Advantage plans.

It’s important to scrutinize the formularies of these plans and consult with healthcare providers and licensed insurance agents to obtain the necessary coverage. While out-of-pocket costs can vary, exploring additional cost-saving options like Medicaid coverage, prescription discount programs, and cash discounts can help manage expenses.

Frequently Asked Questions



Are testosterone treatments covered by Medicare?

Yes, Medicare covers testosterone treatments that are administered directly by an approved physician, such as injections or pellets. Additionally, 93% of Medicare prescription drug plans cover testosterone.


How much does it cost to go on testosterone gel?

Testosterone gel can cost between $200 and $500 a month, depending on dosage and concentration. The price can vary based on individual needs.


What tier drug is testosterone gel?

Testosterone gel, such as AndroGel, contains testosterone, which is classified as a Schedule III controlled substance under the Controlled Substances Act. Androgel is typically listed as a Tier 4 medication in Medicare prescription drug plans, indicating higher cost.


Is testosterone gel or injections cheaper?

Testosterone injections are often cheaper than other methods of delivery, with prices ranging from $40 to $400 a month, depending on dosage and frequency.


How can I ascertain the extent of my plan’s coverage for testosterone gel?

To ascertain the extent of your plan’s coverage for testosterone gel, carefully examine the formulary of your specific Medicare Part C or Part D plan and consult your healthcare provider for guidance.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.