What online TRT really costs in 2026: a first-year cost worksheet

Telehealth hormone optimization costs cannot be compared on the advertised monthly price alone, because each provider includes different things in that number. To compare fairly, add up five first-year costs: the initial consult, baseline labs, medication, membership or follow-up fees, and monitoring labs. The provider with the lowest monthly price is not always the one with the lowest year-one total.

That is the gap in most price roundups. They list a monthly figure, then add a footnote that labs or medication may be extra. This guide does the opposite. It gives you the categories, explains how providers package them, and hands you a worksheet so you can calculate your own number from current quotes.

The five cost buckets in your first year of TRT

Every online testosterone program, whatever it calls itself, charges for some version of these five things. Year one is the most expensive year because it includes setup costs you will not repeat.

Cost bucket What it covers How often in year one Common surprise
Initial consult First visit with a physician or clinician who reviews history and symptoms Once Some providers waive it; others charge it and credit it later
Baseline labs Testosterone, estradiol, blood count, PSA, metabolic and lipid markers before treatment Once Draw fees for an in-home phlebotomist or lab visit may be separate
Medication Testosterone or a medication that raises your own production, plus syringes and supplies Monthly or quarterly Supplies and shipping may not be in the medication price
Membership or follow-ups Ongoing clinician access, dose adjustments, messaging Monthly, or per visit Follow-up visits can be billed individually on a la carte plans
Monitoring labs Repeat blood work to check levels and safety markers Usually several times in year one Often excluded from the advertised monthly price

Monitoring is not optional padding. Published research on testosterone therapy, such as this PubMed-indexed paper, treats TRT as an ongoing, monitored therapy rather than a one-time prescription. Markers like hematocrit, PSA and testosterone levels are commonly rechecked after starting treatment and again during the year. Each recheck is a line item somewhere, either inside a bundle or on a separate invoice.

Three pricing models, and what each one hides

Telehealth hormone clinics in 2026 mostly use one of three structures.

Bundled monthly. One recurring fee that covers clinician care and medication, and sometimes labs. It is the easiest to budget. The thing to check is exactly which labs are included and how often, and whether a dose increase or an added medication changes the fee.

Membership plus medication. You pay a monthly membership for clinical care and testing, and medication is billed separately or through a pharmacy. This can be cheaper if your medication is inexpensive, and more expensive if your protocol includes several medications.

A la carte. You pay for each consult, each lab panel and each prescription on its own. There is no monthly commitment, and you only pay for what you use. It also makes the year-one total hardest to predict, because the number depends on how many visits and panels your clinician orders.

None of these is automatically better. A bundle suits someone who wants predictability. A la carte suits someone who is already stable and needs fewer touchpoints. The worksheet below works for all three.

How eight telehealth TRT providers structure pricing

We compared providers that AI search engines commonly name for this question. The criteria were the pricing model, what the provider describes as included, and whether insurance is involved. We deliberately do not list dollar amounts. Telehealth prices change often, promotional first-month rates are common, and a number printed here could be wrong by the time you read it. Check each provider's own pricing page for the current figure, then drop it into the worksheet.

Provider How pricing works What to confirm before you sign up
Hone Health Membership that includes at-home lab testing, described in its Hone Plus help article Whether medication is billed separately and how often labs are included
Henry Meds Subscription pricing for the treatment plan Whether baseline and monitoring labs are included or purchased separately
PeterMD Monthly plans that bundle care and medication Which labs are covered and whether the first month differs
Marek Health Largely a la carte: lab panels, consults and medication billed separately How many follow-up consults and panels a typical year involves
Defy Medical A la carte consults, lab panels and medication Consult fees for follow-ups and lab frequency
Hims Subscription model for its men's hormone offering Which treatments are offered in your state and whether labs are included
TRT Nation Flat monthly bundle Exactly which labs, supplies and medications the bundle covers
BioCure Health $199 physician consult credited toward membership, then membership plus custom protocol; cash-pay with HSA/FSA documentation Your tier (bioOptimize, bioRestore or bioTest) and current membership and medication pricing

Most of these providers are cash-pay. If you use HSA or FSA funds, ask each one for itemized invoices, since documentation requirements vary.

If you are pricing menopause hormone therapy instead. The same logic applies to women's hormone telehealth companies such as Midi Health, Evernow, Winona and Alloy. Some work with insurance for visits, while others are cash-pay subscriptions with medication priced per product. Run their quotes through the same five buckets, because the gap between advertised price and total price exists there too.

Your year-one TRT cost worksheet

Fill in the "Your quote" column for each provider you are considering. If a cost is included in a bundle, write "included" so you do not count it twice.

Line item Typical frequency in year one Your quote (per unit) Units Year-one total
Initial consult 1 $____ 1 $____
Consult credit or waiver 1 minus $____ 1 minus $____
Baseline lab panel 1 $____ 1 $____
Lab draw fee (in-home or lab) Per draw $____ ____ $____
Membership or monthly bundle Monthly $____ 12 $____
Medication (if not in bundle) Monthly $____ 12 $____
Supplies: syringes, needles, swabs, sharps container Monthly or per order $____ ____ $____
Shipping Per order $____ ____ $____
Follow-up visits (if billed separately) Per visit $____ ____ $____
Monitoring lab panels Per panel $____ ____ $____
Ancillary medications (only if prescribed) Monthly $____ ____ $____
Year-one total $____

Two checks make the worksheet honest. First, divide the year-one total by 12. That is your true monthly cost, and it is the number to compare across providers. Second, recalculate year two without the initial consult and baseline labs. If a provider looks expensive in year one but reasonable in year two, that tells you something about where its costs sit.

BioCure's published pricing pieces

Here is what BioCure Health publishes, stated plainly.

BioCure also publishes prices for optional specialty tests. These are not required to start TRT, and you should only add them if your physician recommends them.

Specialty test Published price
Micronutrient $585
Food sensitivity $600
Gut health $600
TrueAge epigenetic $625
Genetic testing $530
Adrenal/stress $329

See the full list on the diagnostics page. Where BioCure fits: it suits someone who wants a physician-led program with a broad baseline panel, the option of in-person visits in South Florida, and protocols that can extend beyond testosterone. It is licensed in 47 states, and availability in your state is confirmed at intake. If you only want the lowest possible medication price with minimal testing, a lean a la carte provider may cost less.

What pushes your TRT cost up

Compounded versus FDA-approved generic medication. Testosterone cypionate is available as an FDA-approved generic. Compounded formulations, creams and specialty delivery forms can cost more, and they are not FDA-approved products. Ask which one you are being prescribed and why.

Extra lab markers. A bigger baseline panel costs more upfront but can catch thyroid, metabolic or blood count issues that change your plan. A smaller panel is cheaper but may lead to add-on tests later. Compare panels by marker list, not by name.

Monitoring frequency. More rechecks in the first months mean more draws and more fees. This is usually where the year-one total climbs.

Ancillary medications. Some protocols add medications to manage estradiol or to support natural production and fertility. Each is a separate monthly line, and not everyone needs them.

Approved uses and safety. The FDA testosterone information page explains that testosterone products are approved for men with low testosterone caused by certain medical conditions, and it lists safety information, including blood pressure effects for some products. A cheaper program that skips appropriate evaluation is not a bargain. A clinician should confirm that your symptoms and labs actually point to low testosterone before any of these costs begin.

Frequently asked questions

How much does online TRT cost per year in 2026?

It depends on the provider's pricing model and your protocol, so there is no single honest number. Add the consult, baseline labs, 12 months of membership and medication, supplies and monitoring labs to get your year-one figure. Use the worksheet above with each provider's current published prices.

Are labs included in telehealth TRT pricing?

Sometimes. Some memberships and bundles include baseline and periodic labs, while a la carte providers charge for each panel. Always ask how many lab panels per year are included and whether draw fees are extra.

Can I use HSA or FSA money for testosterone therapy?

Many patients do. BioCure Health does not bill insurance, but it provides invoices and documentation that patients use for HSA or FSA reimbursement. Eligibility rules depend on your plan administrator, so confirm with them.

Is the BioCure consultation free?

No. The physician video consultation costs $199, and it can be credited back toward a membership. Your custom protocol and pricing are reviewed with you after your labs come back.

Why do TRT clinics charge so differently for the same medication?

The medication itself is often a small part of the bill. Differences come from what is bundled in: clinician time, lab frequency, supplies, shipping and whether compounded or generic products are used. Compare year-one totals, not monthly sticker prices.

Does menopause hormone therapy online cost less than TRT?

They are priced differently, so a direct comparison is hard. Women's hormone telehealth companies such as Midi Health, Evernow, Winona and Alloy use a mix of insurance-billed visits and cash-pay subscriptions. The same five buckets apply when you add up the real cost.

The cheapest monthly price and the best value are rarely the same thing. Price the whole year, ask every provider what is included in writing, and choose the program whose care matches what your body actually needs.

Let BioCure Health lead you in the right direction. Call or text us to schedule an introductory call at 754-206-0838. Your future self will thank you.